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How can I avoid adding payment option so I can download apps and update apps
[Re-Titled by Moderator]
iPhone XR, iOS 12
As long as you have no active subscriptions, you do not have to add a payment method. You do, however, have to select 'none' for payment option and enter your address.
have you attempted to set your payment method to none ? Change, add, or remove Apple ID payment methods - Apple Support
How to avoid adding payment option
