Should i keep netflix or update my spotify payment

Listening to music is my life and i've paid for spotify premium up until a month ago when my payment failed probably because I got a new credit card but everytime i've tried to update my payment it fails every single time. So annoying. So instead i've used Youtube for music which honestly has been great because it's kinda easier to navigate in the sense that you have recommended videos right there and also get recommended amazing live performances of your favorite bands and it has some demos and unreleased stuff Spotify doesn't. Only problem is I cant listen to music outside but I dont go anywhere lately anyway and I can download my current favorite songs easily with a regular downloader when I do go out. I also realized the cheapest Netflix-prescribtion is CHEAPER than spotify somehow and there's a lot i've wanted to watch on there for a long time. I cant afford both because i'm unemployed right now but I got a gift card for Netflix so I was forced to start an account so I have one now. I'm wondering very much if I should keep the account and start paying for it every month OR try to solve the payment issue with Spotify and keep using that... What would you do?!