apps

That is correct, you need a valid payment method on file with Apple to download apps, even if they are free. You won't be charged for free apps but you need a payment method for online purchases.

If you don't want to use a credit card, you can use an Apple gift card.

ashlynsoccerplay5 Said:

"apps: its not letting me download apps without a credit card on file."

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Methods of Payment:

Other than a credit card, PayPal may be an option to you. See your options here: Payment Methods that you can Use with your Apple ID - Apple Support