keep prompting update billing details

Apple ID without a credit card  

Apple ID - If you can‘t choose None when you edit your Apple ID payment information

Are you being sure to enter your credit card's 3 digit code?

ASC - Late 2012 Mac mini, macOS 10.14.5; Watch, series 3 cellular, watchOS 5.2.1; iPad Air 2 & iPhone 8+, iOS 12.3.2; TV 4th Gen, tvOS 12.3;  HomePods, audioOS 12.3 and Airport Express w/ Airplay 2

I am familiar with the whole KB article, but users see that they can create a new Apple ID because of the first section and that's pretty much all they read.

Which is why I never link to that any more, unless it is someone who says that they are asking for a friend or relative who doesn't have a CC.

Obviously anyone who can post here has an Apple ID. Although plenty have sworn that they didn't! ¯\_(ツ)_/¯

You can only remove a credit card if you replace it with another payment method.

Why would you tell someone who has an Apple ID how to create another, even if it doesn't require a credit card.

Multiple Apple IDs create chaos in a user's life!

If you look at the first link I posted and read more than the title, you would see the second section is: If you already have an Apple ID

I wasn't suggesting they create a new ID.

You are welcome. Use the If you already have an Apple ID section,