I don't want to have my debit card on my phone

P-Rick7465 Said:

"I don't want to have my debit card on my phone: Can't download free apps"

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To Download Free Apps:

You need to have at least one Method of Payment assigned to your Apple ID. This is because even free apps have in-app purchases. It's the way it is designed. So, consider using PayPal.

Links:

• How to Add a Method of Payment: Add a Payment Method to your Apple ID - Apple Support
• Viewing your Method of Payment Options: Payment Methods that you can Use with your Apple ID - Apple Support

Purchase a gift card and add it to your account. You won't be charged anything for free apps.