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Mar 22, 2014 1:03 AM in response to Theresafromquyonby King_Penguin,Whether a credit card needs to be entered onto an account depends upon how you created the account. Unless the instructions on this page are followed when creating an account : http://support.apple.com/kb/HT2534
then credit card details will need to be entered before the account can be used to download any item from the store.
If you are being prompted to review your account then you could see if the instructions on this post by mountaingoatgirl lets you do so without needing to enter credit card details : https://discussions.apple.com/message/24303054
If not then you will need to create a new account, and follow the instructions on that HT2534 page when creating it. If you want to use the same email address then you will need to replace it on that account first e.g. by tapping on it in Settings > iTunes & App Store on your phone, via the Store > View Account menu option on your computer's iTunes or via http://appleid.apple.com
Creating an account with 'none' on a computer's iTunes : https://discussions.apple.com/message/24321860
Redeeming a card : http://support.apple.com/kb/HT1574