Re: "all the apps i’m trying to download are free so i’m trying to download them but i have to add an apple payment"
Seems Apple requires you have a payment method listed in your Apple Account for the first time you use the App Store or iTunes, even if you only download free apps.
See which payment methods Apple can accept in your country of region:
Payment methods that you can use with your Apple Account - Apple Support
How to Add an Apple ID Payment method: Add a payment method to your Apple Account - Apple Support
Note: You may need to allow 24 hours for updates to come into effect.
or
Restarting your device may help you view recent changes.
If needed:
How to delete an Apple Account payment method:
Remove a payment method from your Apple Account - Apple Support
How to change an Apple Account payment method:
If you need to change or update your Apple Account payment method - Apple Support
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Re: "i have to add an apple payment even though i already have 3 cards on"
We can't guess where these three cards may be ... eg: in Wallet for Apple Pay / Apple Cash / & etc.
You may need just one of them listed in your Apple Account for purchases from Apple in order to download apps.
If they are already listed in your Apple Account ... check above whether they are cards Apple can accept
check the expiry dates are valid
Else: check your card-provider is allowing Apple to use the cards (eg: enabled for International purchases ?)
If more help is needed: You may want to reach out to the Billing Support Team
Subscriptions and Billing Website: (info. / support / contact options etc.)
Subscriptions and Billing - Official Apple Support
