If any of the six options listed below is true, selecting "None" as a payment method won't appear, and you cannot remove an expired or lost card. In such cases, providing billing information is mandatory.
The "None" option will not appear...
- If you have an unpaid balance or payment due
- If you have a subscription that automatically renews
- If you're using the iTunes Store or App Store for the first time
- If you are not in the country or region you’re creating an Apple ID for
- If you changed your country or region
- If you're a part of Family Sharing

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