I want to update my phone

You cannot pick and choose an iOS version. What you get is Settings > General > Software update > [All options are available here]

If iOS updates are no longer being released for your device, it typically means that the device has reached its end of life in terms of software support from Apple. In such cases, there are a few options you can consider:

1. Although major iOS updates may no longer be available, Apple may continue to release security updates for older devices. Ensure that your device is running the latest available version of iOS for its generation to maintain the highest level of security.
2. As iOS versions advance, some newer apps may not be compatible with older iOS versions. You may need to rely on older versions of apps or find alternative apps that are compatible with your device's iOS version.
   1. Ask the App developer to release the app for lower iOS versions also. Netflix & Amazon has done it.
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3. If your device is no longer receiving software updates, it may be a good time to consider upgrading to a newer device that is supported by the latest iOS updates. Upgrading to a newer device will ensure that you continue to receive the latest features, security updates, and app compatibility. Selection of a mobile model/brand is driv… - Apple Community

Remember to regularly back up your data to avoid losing any important information during the transition to a new device.

It's worth noting that the availability of updates and options may vary depending on the specific device model and its hardware capabilities.

If one or more of the following 6 options are true then you can't choose None as a payment method then the Billing information is needed . The "None" option will not appear...

1. If you have an unpaid balance or payment due
2. If you have a subscription that automatically renews
3. If you're using the iTunes Store or App Store for the first time
4. If you are not in the country or region you’re creating an Apple ID for
5. If you changed your country or region
6. If you're a part of Family Sharing

If you can't download, make purchases or update apps, including free apps, you need to update your payment method or add a new one. If you already verified that a payment method is available in your country or region and you're still having trouble, learn more.

There are few things to know first an apple id signin in the device is the same appleid which the applications downloaded earlier?

when you click on update an appleid appers and ask password , cross verify the appied is same as sigin the App Store

I want to update apps on my phone but it won’t let me because it says I forgot my Apple ID password to the App Store