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Q: Why does my iPhone need a credit card?
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May 5, 2016 3:10 PMby stevejobsfan0123,You're not going to be charged for doing updates, but a valid payment method still needs to be on file.
Your fiancé probably does not have this issue because he had created his Apple ID as follows: Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Suppor…
Also see: Why can’t I select None when I edit my Apple ID payment information? - Apple Support.
