My Credit card is not charged
How to pay for Apple ID when it can’t be paid from credit card
iPhone 11 Pro, iOS 14
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"Some purchases might require that you have a credit card on file, even if you use your Apple ID balance to make the purchase." - from: What you can buy with your Apple ID balance --> https://support.apple.com/HT211187
For a variety of reasons Apple will almost always require a functional payment method such as a credit or debit card be present when downloading anything from the iTunes or App Stores that isn't totally free, even if the item will be paid for with Apple Account balance. The only solution to satisfy this requirement is to add a valid payment method.
This document explains how to 'Change, add, [review,] or remove Apple ID payment methods' on a Mac or Apple mobile devices; click here --> https://support.apple.com/HT201266
Change your Apple ID payment method if you don't have an Apple device --> https://support.apple.com/HT210755 - PC, MS Surface, Android, Chromebook, online at tv.apple.com
'If you can't remove your last payment method or use no payment method with your Apple ID' click here --> https://support.apple.com/HT203905
- If you are updating an old card and have ongoing subscriptions you may need to first add the new card and make it the primary payment method before deleting the old card.
If you still have problems, click here --> https://support.apple.com/choose-country-region/media-services Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.
or:
Contact Apple for support and service --> "See a list of Apple phone numbers around the world." - https://support.apple.com/HT201232
Additional resources:
'Payment methods that you can use with your Apple ID' --> https://support.apple.com/HT202631
'If your payment method is declined in the App Store or iTunes Store' click here --> https://support.apple.com/HT203005
Create or use an Apple ID without a payment method - https://support.apple.com/HT204034