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I would like for EVERNOTE to have a button that will allow me to update my billing information and than pay my bill immediately without having to downgrade my account to free and then upgrade it again.  That seems like a useless effort just to pay my bill or change my billing information when I didnt realize that my card was at its limit, etc. 

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Why is it always others need to do something ? It's your own responsibility to keep anything actual. OK, not that's easy if you have dropped credit card information left and right. But there are solutions:

Subscribe through the AppStore / PlayStore. You only need to manage one payment method, and you get an advance heads up 4 weeks before your subscription becomes due.

Use a PayPal-Account, you only need to update your credit card once for all.

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