HT204034: Create or use your Apple ID without a payment method
Learn about Create or use your Apple ID without a payment method
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Helpful answers
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Jun 20, 2015 11:06 PM in response to pandu.autpgby BMoon,Hi pandu.autpg,
Would you mind sharing the reasons for the sign up getting declined?
The payment details you enter are linked with your Apple ID and will be until you change them again. Your bank details will ONLY ever be used with your express permission (password and fingerprint ID for example) and are used for purchasing Apps etc.
Good luck