Why am I being charged 13.95? I can’t even download a free game or a job app. I only have 2 subscriptions and neither one of those are due for a payment yet.

Sounds like you have a pending charge that has not been completed. Free apps don't charge you, as they are free.

You need to let the pending payment complete otherwise it will forever be pending.

Once it completes, you can request a refund. click here ➜ Request a refund for apps or content that you bought from Apple - Apple Support

The system is pretty full proof, if something is trying to charge you its because you started the process. Either you downloaded a free app that had a trial that renewed into paid subscription and you never cancelled it or you tried to purchase a paid app and could not complete the payment even if you did not realize it. You are now responsible for that charge and its successful completion.

See -> Resolve a problem with your payment method

If your payment method has expired, declined or failed, or a message says "There is a Billing Problem with a Previous Purchase"

See also -> 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.