I can not download ANY apps !! And I do not want a credit card on file

Once you have added a payment method and it can be verified, it can be removed and will not ask for it again.

There are also ways to create an Apple ID without requiring a credit card at all. But if you did not do this at the start, then you cannot do it now: Create or use an Apple ID without a payment method - Apple Support

Those are the rules.

Not if the app offers in app purchases.

Yep.