Do you need a credit card to download from the iTunes Store or App Store?

you need a cretid car ? because i have my id apple but there say its not use in store i press ok and go to options and theres no none to options for pay what i have to do because i dont have any credit car or when i want to change the country there is no opcion for none in the payment method pleas help me what i have to do ????😟