Why can't I download anything from the App Store?

I tried downloading a free app from the apple App Store but I now get a message saying there was a problem taking payments and I have to update my credit card details. This is confusing as the app is free and I have never tried paying for an app without having the money in my bank to pay for it. Why does it now tell me I ended credit card details to install an app and why has the error occurred with my bank details?

Check to make sure your credit card details (like expire date, etc) are current.
How to Get Apps From the App Store Without a Credit Card
http://ipadhelp.com/ipad-help/how-to-get-free-apps-from-the-app-store-without-a- credit-card/
Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card
Why can’t I select None when I edit my payment information?
If None is not available - On your computer launch iTunes and click “iTunes Store” in the left navigation pane. Click the “down arrow” next to your name at the top right side of the page and click “Account.” Enter your username and password and click “View Account” to log into your account information. Next to your Payment Type, click “Edit.” Select the “None” button and click “Done.” Confirm that your card has been removed by returning to the Apple account information screen. Under Payment Type, it should say that there is no credit card on file.
iTunes Store: Changing your payment information
iTunes Store Accepted Forms of Payment
 Cheers, Tom

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