I don’t have any debt cards. To link my account

You usually need to have added a valid payment method to your account. Even to re-download or update apps and for free apps. You can find the acceptable payment methods for your country here;

Payment methods that you can use with your Apple ID - Apple Support

M1 Mac mini, macOS 14.1.2;  Watch, series 7 GPS/cellular, watchOS 10.1.1; iPad Pro 2nd Gen, iPadOS 17.1.2; iPhone 12 Pro, iOS 17.1.2; TV 4th Gen, tvOS 17; HomePods, audioOS 17.1.1 and Airport Express w/ Airplay 2

Do you know anybody in a Family Sharing group who would let you use their card as part of being in the group?

What is Family Sharing? - Apple Support