Download problem
I have trouble downloading apps that are free on my iphone. It keeps wanting a payment method for any free app
iPhone 6, iOS 12
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Unless you have the None option in the payment methods, generally your account has to have a payment method.
The system is usually trying to verify that it is you trying to use the account. Verifying your payment method helps identify that it's you.
ASC - Late 2012 Mac mini, macOS 10.14.6; 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