1. Download and install the clipping application. Clipping is a popular video editing application, which can be used on mobile devices.

2. open the clipping application and create a new project.

3. import the video material you want to edit. You can select videos from the photo album or record new videos.

4. Find the segment you want to add text to on the timeline. You can use the segmentation tool to clip video clips and make sure to add text in the right place.

5. Click the Subtitle button at the bottom of the timeline to add text to the video. You can choose text style options such as font, color, size and position.

6. Edit the text content and add the required text information according to your needs.

7. after editing the text, click the "music" button in the upper right corner to enter the music library.

8. Browse the music library and select the tracks you want to add as background music. You can search for specific music or browse different music categories in the music library.

9. Select the background music suitable for your video and add it to the music track on the timeline.

1. adjust the volume and duration of background music to coordinate with video and text effects.

11. preview and adjust the combined effects of video, text and music. You can fine-tune by moving, adjusting and deleting elements on the timeline.

12. After editing, export your video and save it to your device, or share it directly to social media platforms or other channels.

These are the basic steps to edit the text and add background music to it in the cutout. I hope it will help you!