Using iPhone

iPhone 7 issues

I have a new iPhone 7 that is causing multiple problems for me. They are listed below:

Texting-When I text, I am forced to pick one of the 3 options when I start to spell a word. If I do not pick one, I cannot proceed with the text. How do I turn this off?

Also, when I am finished and try to send a text, I am forced to choose one of 4 options: "Gentle", "Slammed" and 2 others. Can I end this choice, or can I choose one (Gentle) for all my texts?

I receive an alert whenever I use my credit card. I never set up this feature. How do I turn it off?

Thanks for any advice

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