i can’t download any apps
I cannot download any free apps is still takes me to my payment method why and I have that turned off?
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Unless your account offers you the None option in the Payment Methods, most Apple accounts require a Payment Method, whether you have redeemed an iTunes/App Store gift card or entered a bank card's details.
The system asks you to verify your payment details when it is trying to verify that it is really you using the account.
ASC - Late 2012 Mac mini, macOS 10.15.5; Watch, series 5 GPS/cellular, watchOS 6.2; iPad Air 2, ipadOS 13.5.1; iPhone 8+, iOS 13.5.1; TV 4th Gen, tvOS 13.4.6; HomePods, audioOS 13.4.6 and Airport Express w/ Airplay 2