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Why not fill in the card at the Appstore transfer area?
If you have an American credit card and an American PayPal account, things will be much easier. Just switch regions and set payment methods.

Open the settings, go to iTunes Store and App Store, click on your Apple account, and select View Apple ID. Select a country/region, continue to select change country/region in the newly opened page, and then select the United States. At this time, a page may pop up asking for agreement terms, and you can choose to agree directly. At this time, the system will start asking you to set up the payment method in the United States, and you can only choose credit card/debit card or PayPal. Of course, you can't continue at this time. Click Return to return. After returning, you will find that you have come to the page you saw in the previous step 2, but it has become an English page. Click Change Country or Region again, then select Chinese mainland, then continue to agree to the terms and conditions once, and directly choose Agree. Enter the page of setting China payment method again. At this time, you will find that in China, in addition to Alipay, WeChat, UnionPay credit card/debit card and express payment, the last item is displayed as None, and you can choose None. This is the first key point. Log out of the account in the iTunes Store and App Store, and then log out of the entire account in the settings page. Use a computer to access:/,then log in to your account and select Edit Account. On the editing page, find the country or region option, select the United States, and then a floating layer will pop up for you to confirm whether it needs to be changed, and choose to continue the update. Finally, you need to fill in the payment and delivery information. In the payment method drop-down box, the last item can be selected. The following billing address, a lot of information, including name, street address, city, province (state), zip code, telephone number, etc. You need to fill in relatively real information, because Apple will look it up, so it is suggested to find a ready-made address from the Internet, such as here:/,and there may be problems if you fill it casually. (This is the second point) Fill it out and submit it for preservation. At this point, your China App Store account has been successfully converted into an American account.