Apple id
First time using the Apple App Store, but it won't let me download
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Do you get any error message?
You can have a credit card / debit card on file and an Apple Account balance.
If you have set your Apple Account balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.
Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.
See the following Apple articles:
Add a payment method to your Apple ID -> Add a payment method to your Apple ID – Apple Support (UK)
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.
If you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.