HT201266: Change or remove your Apple ID payment information
Learn about Change or remove your Apple ID payment information
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Feb 22, 2015 7:24 AM in response to ___dj12___by King_Penguin,If you aren't getting the 'none' option when using the instructions on the page that you posted from, then do you owe iTunes anything or have moved countries : Why can’t I select None when I edit my Apple ID payment information? - Apple Support