Spotify sucks!

Recently my phone was reset and I lost all my music. I thought I'd download Spotify and upgrade to premium as I heard it is good. I downloaded the app and tried to upgrade to premium for a whole week and each time it says change payment option - yet I am unable to - or try again in a few days which I have done. At this point I am annoyed and unsure of what to do as it is so difficult to get in contact with them.