do i need to submit my credit card info? i just want to use the free services and free downloads, every time i want to download free games it asks for my credit card info

Create an iTunes App Store account without a credit card - http://support.apple.com/kb/ht2534 and related document: iTunes accounts for students - http://support.apple.com/kb/HT5114. Only works for new accounts! You must follow the instructions exactly. Read tips in - https://discussions.apple.com/thread/4368168?answerId=19803853022#19803853022 If it still doesn't work, read https://discussions.apple.com/thread/4245338

Perhaps they insist upon a credit card as a way of verifying your residency and eligibility to download a free application where there may be country restrictions?