Verification loop.

I’ve been caught in a loop while trying to download application through my main account.

No outstanding payments or anything like that.

i have used a card on this account before And removed.

after factory restoring my phone. I could not download anything (new/previously downloaded). Kept sending me to verify billing. Then to sign in (that’s the loop) nothing helped here. So I figured I’d attach a card. It works. Why is it, although I have nothing outstanding I am blocked from downloads when no card is attached to the the account. I do not want to use any card on this account at this time. This heavy handed nature must change. After owning all apple products for the last ten years I am hurt to say that apple is now. I cringy mess. Thanks but no thanks.