downloading apps
why do free apps need a credit card?
iPhone 11 Pro, iOS 15
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Best reply
See this Apple article:
If you can’t download or update apps on your iPhone or iPad
If you can’t download or update apps on your iPhone or iPad – Apple Support (UK)
You may need to have a payment method on file, even if the app you want to download is free. Check which payment method you have on file
Sign in to your Apple ID account page and edit your Apple ID details.
On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.
See also the following Apple articles:
Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – Apple Support (UK)
Add money to your Apple ID balance
Add money to your Apple ID balance – Apple Support (UK)
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)