Hi and welcome to the Apple (user-to-user) Community.
Re: "Unable to download apps - Payment Method Not Complete" ... "Ideas?"
As things change from time to time, you might want to try Apple's recent methods.
Your Apple ID is the account you use to access Apple services,
like the App Store, Apple Music, iCloud, iMessage, FaceTime, and more.
Check you are signed in (to your iPhone) with your Apple ID:
Sign in with your Apple ID - Apple Support
Check the payment methods Apple can accept in your country or region:
Payment methods that you can use with your Apple ID – Apple Support
How to add an Apple ID payment method:
Add a payment method to your Apple ID - Apple Support
How to delete an Apple ID payment method:
Remove a payment method from your Apple ID - Apple Support
How to change an Apple ID payment method:
If you need to change or update your Apple ID payment method – Apple Support
How to: Get apps in the App Store on iPhone – Apple Support
_______________
Trouble-shooting:
If your payment method is declined in the App Store or iTunes Store - Apple Support
or
If you can’t download or update apps on your iPhone or iPad - Apple Support
More support if needed:
App Store Support has a website online:
There's a "get Support" link at the bottom of the website.
App Store - Official Apple Support
All the best :-)