Apps
How come I have to add a payment to download free apps .. it makes no sense
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If you can't make purchases or update apps or download apps, including free apps, you need to update your payment method or add a new one.
See the following Apple articles:
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
Add money to your Apple ID balance
Add money to your Apple Account balance – Apple Support (UK)
Click here for more support and assistance.