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Question: why am i not able to download FREE apps without having a credit or debit card in my phone?

I have tried many times to put my debit card number in on top of this problem, it has money on it too and everytime i put it in it declines it, also every time i try to download an app or update an app i already have it wont let me because i do not have a card in which makes no sense because it costs no money.

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User profile for user: armeli

Question: why am i not able to download FREE apps without having a credit or debit card in my phone?