I can’t download free apps

You usually need a payment method -

You usually need to have added a valid payment method to your account. Even to re-download or update apps and for free apps. You can find the acceptable payment methods for your country here;

Payment methods that you can use with your Apple ID - Apple Support

M1 Mac mini, macOS 14.1;  Watch, series 7 GPS/cellular, watchOS 10.1; iPad Pro 2nd Gen, iPadOS 17.1; iPhone 12 Pro, iOS 17.1; TV 4th Gen, tvOS 17.1; HomePods, audioOS 17.1 and Airport Express w/ Airplay 2

Hey does yours say something like “payment not completed” because that’s what it says for me when I try to purchase even free items. It’s weird that I’m only having this issue on my phone as I can download stuff on my much older ipad.