Everytime I try and download an app that's free it try's to charge my card why is that?

I will appreciate all the help thanks.

That is telling you that the payment method you specified is not valid, e.g., iTunes tried to make a temporary hold to verify the method (see link in my first reply) and it was not accepted.
If you know it is a valid method contact iTunes.
Apple - Support - iTunes - Contact Us

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