Q: Why doesn't it say none when I am setting up my apple id for billing because I don't have a credit card or gift card at the moment

Hello Lai5c,

After reviewing your post, it sounds like you want to create a new Apple ID with no credit card attached. I would recommend that you read these articles, they may be helpful in troubleshooting your issue.

Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Support

Why can’t I select None when I edit my Apple ID payment information? - Apple Support

If you're using the store for the first time with an existing Apple ID, you must provide a payment method. After you create the account, you can change your payment information to None.

 

If you're creating a new Apple ID, you might be able to create an account without entering your credit card details.

Thanks for using Apple Support Communities.

Have a nice day,

Mario