Apple Store Apple ID Balance
How can I make another method of payment my default payment method?
Mac mini, macOS 13.4
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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 -> Add a payment method to your Apple ID
Add a payment method to your Apple ID – Apple Support (UK)