Thank you for your post. Sorry to hear you are having issues with your payment method. Unfortunately, we do not have a way to apply grace periods to domain expiration. However, in most cases you will not lose your domain immediately after expiration. Below I have included 2 help articles that explain the process and time frames for domain expiration as well as how to recover the expired domain name once it is in that status.
What happens after domain names expire?
Recovering Expired Domain Names
Hope this helps!