Billing Info needed in order for me to update or download free apps?

Two weeks ago I began to experience problems with my Apple Account, if I ever attempt to update or download any apps, it will come up with a message "There is a problem with a previous purchase," I later clicked on "Billing Info" to find that I needed to insert a credit card, I do not have a credit card! I checked my account balance expecting it to be negative something to find it was "$0.72," this issue is driving me insane, I currently have 11 updates on my iPod and 3 updates on my MacBook Pro (Including Yosemite which I was extremely excited to get), I am very disappointed and now apps are begging to close mid-way through use or not show images etc, so if you could not already tell my question is how do I fix this without getting a new iTunes Voucher (Getting a new iTunes voucher was a solution to the same issue that happened a couple years ago). Thanks for your answers!

Hey Maszie,
Thanks for the question. If you have an unpaid balance or an issue with a previous order, you can follow these steps to resolve it:
Why can’t I select None when I edit my Apple ID payment information?
http://support.apple.com/kb/TS5366
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.
Adding payment information like a Credit Card, or redeeming an iTunes Gift Card with a value that exceeds the amount owed, should resolve the issue with your previous order.
Thanks,
Matt M.

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