How can I use without billing?

"Some purchases might require that you have a credit card on file, even if you use your Apple ID balance to make the purchase." - from: What you can buy with your Apple ID balance --> https://support.apple.com/HT211187

For a variety of reasons Apple will almost always require a functional payment method such as a credit or debit card be present when downloading anything from the iTunes or App Stores that isn't totally free, even if the item will be paid for with Apple Account balance. The only solution to satisfy this requirement is to add a valid payment method.

This document explains how to 'Change, add, [review,] or remove Apple ID payment methods' on a Mac or Apple mobile devices; click here --> https://support.apple.com/HT201266

Create or use an Apple ID without a payment method - https://support.apple.com/HT204034

'If you can't remove your last payment method or use no payment method with your Apple ID' click here --> https://support.apple.com/HT203905