No credit card
i dont have my credit card info in my iphone yet but have an account could i use a apple giftcard to buy apps that cost money..?
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"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 payment method such as a credit or debit card be present when downloading anything from the iTunes or App Stores that isn't completely free, even if the item will be paid for with Apple Account balance. The only solution is 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 an Apple mobile device, a Mac, or a PC; click here --> https://support.apple.com/HT201266