Why cant I download free games without adding a payment method

Kokolovely wrote:

It keeps saying billing information

Apple may require a valid payment method (which cannot be a gift card) for verification purposes. It may be charged a small amount to verify it but this will be automatically refunded.

Add a payment method to your Apple ID - Apple Support

I can’t get games from my app it needs a credit card when I put one in it says can’t use that card at the iTunes. I don’t want ITunes.

My phone not downloaded