Why my apple ID still wants the creadit card？
MY ios is 8.4.1 the apple ID keeps wants the creadit card but I don't have,what should I do
iPhone 5s, iOS 8.4.1
Unless you use the instructions on this page when creating an account : Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Suppor…
then payment details will need to be entered before the account can be used.
If you don't have a credit card then you could see if this post by mountaingoatgirl lets you review the account (assuming that that is what you are being prompted to do) without needing to enter payment details : Re: What do I do if I do not have a credit card
If not then use the instructions on the above link to create a new account