How do I setup an Apple Id account to update software without a credit card?

I setup an iCloud account and now I do not have a 'none' option for payment type.  This is a business computer, so I can not put a credit card on the account.  But without a credit card to put in the Apple Id account, I can not update much of the software, even though it was pre-installed on the laptop and not purchased through the App Store.

Answer is not applicable and alas not even correct.
Not applicable because it was asked how to do it with an existing account...
Not even correct because:
I've read that manual & I tried: there is NO OPTION to select None, whatever way I try.
Perhaps there is an issue with the newer iPod Touch OS version (tried this on a brand new iPod, iOS version 5.0.1)?
And I already have an account & I can also not change that one's payment options to None.

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