Q: When I am trying to install the free upgrade to OS X El Captain, I am being asked to verify my billing information. I have never m ... more
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Oct 28, 2015 11:44 AMby dianeoforegon,See directions here: Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Suppor…
If you already have an Apple ID
If you've already created your Apple ID, you'll need to add a payment method when you first use it to sign in to the iTunes Store, App Store, or iBooks Store. But you can optionally remove the payment method after you sign in to the store. You won't be asked for a payment method again until you make your first purchase.
Contact iTunes Customer Service and request assistance
Note: once you have account you can now select not to sign in to download free apps.
