Q: Can't install ANYTHING because it says I need to enter in a credit or debit card. But I don't have a card

Hello Bennesler123,

It sounds like you do not have a payment method to enter for your Apple ID. You can try setting your payment method to None in your Account Settings with this article:

Change or remove your Apple ID payment information

https://support.apple.com/en-us/HT201266

If None is not an option there, then this article might shed some light as to why not:

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

https://support.apple.com/en-us/HT203905

Thank you for using Apple Support Communities.