Are you sure you didn't give an alternative email address as a back up.
Follow the instructions on the link above.
There is generally more help and information available if you log in to Google on a pc browser.
This is not something anyone can guide you through without sitting next to you. Check your 'account', maybe remove / delete that card, then add it again and it should take you through the process. We can't know which step you are missing. Use the Help links, ideally on a computer. I can't offer more personally.