Hi, my problem was solved.
First, you need to check the balance on your bank account.
Then, you need to open the itunes on your laptop and sign in. There, you can see "purchase history". Click on that.
Under the purchase history, you can see the amount you owe to Apple. If your balance is lower than the amount you owe, then you need to top up some money to your bank account.
Make sure the amount you want to top up is higher than the amount you owe.
Then, open your apple id account and click payment information..insert back your debit card info and your billing address. Then, click "Done".
That's all.. After you complete this step, under payment method you can see "None" option appears. Try this out!
(Sorry for my bad english, hope you can undertand what I want to share)