cant load free apps. wants credit card but says must fill out all info . pay pall is all not filled out.?

If you can't make purchases or update apps, including free apps, you need to update your payment method or add a new one. If you already verified that a payment method is available in your country or region and you're still having trouble, learn more.

You can't choose None as a payment method...

1. If you have an unpaid balance or payment due
2. If you have a subscription that automatically renews
3. If you're using the iTunes Store or App Store for the first time
4. If you are not in the country or region you’re creating an Apple ID for
5. If you changed your country or region
6. If you're a part of Family Sharing

What happened if your trying to download something that’s free. But you haven’t gotten paid yet?

You must have a payment method in your account, even to download free apps.