App Store Makes Me Pay For Free Apple Arcade ?

You need to have a valid payment method established in order to set up a free trial subscription, such that it could be drawn on at the renewal date, and also to ensure you are using the correct regional store. Note too that while it has been the case with some trial subscriptions that you could cancel immediately, but use the service for the duration of the trial, cancelling the Apple Arcade trial early causes it to cease with immediate effect. To get the most from the trial, without being charged, you should cancel the trial at around 26 days.

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