I don’t want to submit payment method

You may need to have a valid payment method on file, even if the app you want to download is free.

You can have a credit card / debit card on file and an Apple Account balance.

If you have set your Apple Account balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.

Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.

See the following Apple articles:

If you can’t download or update apps on your iPhone or iPad

If you can’t download or update apps on your iPhone or iPad – Apple Support (UK)

• see point 2

Add a payment method

You may need to have a valid payment method on file, even if the app you want to download is free.

Add a payment method

• If you want to change your card, you need to add first the new card, then remove the old card.
• or if you use your Apple Account balance, you need to set your Apple Account balance as your default payment.

Add money to your Apple Account balance

Add money to your Apple Account balance - Apple Support

Payment methods you can use with your Apple ID

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

fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.

If you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.

In some cases, Apple requires a default payment method.

Don’t don’t have one