You might not be able to see or select the None payment option for one of these reasons. If you don't want to use a credit card, you can use another form of payment, such as a gift card.
If you have an unpaid balance or payment due
You can't select None as your payment type until you pay your balance. To see which order you need to pay for, view your purchase history on a Mac or PC. When you sign in to the store, you might see a message that there was a billing issue with your last order. Click the Billing Info button to see the order.
After you pay for the order, you can change your payment information to None.
If you have a subscription that automatically renews
You might not be able to select None until you cancel the subscription.
If the subscription has a free trial period, we use the payment method that you have on file to make sure that your service won't be interrupted after your free trial period is over. If you don't want to continue a subscription after the free trial, you can cancel the subscription to prevent any charges when the free trial ends.
Your subscription or membership might renew if you don't cancel your subscription or membership more than 24 hours before your renewal date.
If you're using the iTunes Store or App Store for the first time
If you're using the store for the first time with an existing Apple ID, you must provide a payment method. After you create the account, you can change your payment information to None.
If you're creating a new Apple ID, you might be able to create an account without entering your credit card details.
If you changed your country or region
When you change the country or region of an existing Apple ID, you must provide a payment method and update your billing options. If you want to remove your payment method after you change the country or region, you can change your payment information to None.
If you're a part of Family Sharing
When you set up Family Sharing, the family organizer must provide a valid payment method. This payment method will be used for all purchases initiated by family members and can only be changed by the family organizer.