I can’t download apps without payment verification how can I go back to not having my debit card to download apps

I can't download apps without checking my bank card, as well as my previously deleted apps

If you have any subscription apps on your phone you must have a valid payment method in the account. If you don’t you can remove your payment method, See→Change, add, or remove Apple ID payment methods - Apple Support. However, in either case if you have a payment method it must be current and verifiable, and it must meet all of the requirements in my previous post.

If you have a payment method in your settings it must be valid; if it isn’t, delete it. You also must have a payment method if you have any subscriptions or apps with in-app purchasing. Here is more information→If you can't remove a payment method from your Apple ID - Apple Support (PH)