How do I continue, without loading a card (mine sent accepted) so I’m able to download exteamly important apps that are free such as banking apps and such

You 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

See the following Apple articles:

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

Add money to your Apple ID balance

Add money to your Apple ID balance – Apple Support (UK)

What you can buy with your Apple Gift Card or Apple ID balance

What you can buy with your Apple Gift Card or Apple Account balance – Apple Support (UK)

How to redeem your Apple Gift Card or App Store & iTunes gift card

How to redeem your Apple Gift Card or App Store & iTunes gift card – Apple Support (UK)

See -> About Gift Card Scams

About Gift Card Scams - Official Apple Support