My phone saids to add a payment method and saids it won’t charge my card but when I put it in it declines my card as a payment method for an app it’s free

Welcome to the Apple Support communities,

Even if you are trying to download free app , there should be a payment method

in your account , check this article to learn what to do in this case ☞ If your payment method is declined in the App Store or iTunes Store - Apple Support

raina197 Said:

"My phone saids to add a payment method and saids it won’t charge my card but when I put it in it declines my card as a payment method for an app it’s free"

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Troubleshooting Adding a Method of Payment:

A. Add, then Delete.

You need at least one Method of Payment assigned to your account. This is because even free apps have their option for internal purchases. So, add the new method of payment, and then remove the one that is currently in there. Add a Payment Method to your Apple ID - Apple Support

B. For Financial Assistance, Contact Apple Store Support:

You need to contact Apple Support Directly. This is a User-to-User forum. We are all volunteers. So, as you may suspect, no one here has access to that information — and that is a good thing, BTW. That’s why for Financial Assistance, you need to contact Apple Support. They’ll see what’s going on and will run you through the fix.

Apple Contact Info:

• Contact Us - Choose Locations
• Proceed from there, as necessary
• Why the Wait: Phone calls are taking a bit to go through at the moment, due to lots of calls. With the Coronavirus Pandemic, many are at home at the moment, with much time on their hands to contact Apple. So, just stay on the line, and you will get through :)