App download/ update does not work without credit card info

Why can't I update or download any apps without entering my card info?  There used to be an option that said "none" but it's no longer there.

Hey doublechocolate!
I have some information for you regarding your question that might be relevant:
Why can’t I select None when I edit my payment information?
http://support.apple.com/kb/ts5366
Thanks for being a part of the Apple Support Communities!
Cheers,
Braden

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