I can’t download any apps on my iPhone
I can’t download any apps my phone is telling me that my credit card I have on file isn’t good and that I owe some kind of charges and the apps I’m trying to download a free
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How App Store and iTunes Store purchases are billed - Apple Support - https://support.apple.com/HT201359
"If a purchase fails to charge to all of the payment methods that you have on file, a negative balance is applied to your Apple ID. You won't be able to make any new purchases or update your apps until you update your payment methods. After you update your payment methods, the negative balance charges immediately to your updated primary payment method."