I cannot get free apps on my phone

You need to have a payment method on file, even if the app you want to download is free, see ->

Check which payment method you have on file 

See also the following Apple articles:

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

Add money to your Apple ID balance

Add money to your Apple Account balance – Apple Support (UK)

If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.

If you're still unable to update your payment method, Contact Apple Support. 

Click here for more support and assistance.