HT1918 I went and tried to change my billing info , but it says that there is a problem with a purchase and to update my billing info. Is this why it won't let me delete my card info to none?

I'm basically locked out of the App Store from downloading and up dating. When I try to update or download anything a window pops up saying to check my billing info or that there was a billing problem, so when I tried to delete my NGO and cha ge it to none there was no option for that. So does this mean that I need to correct the problem first before I can have access to the App Store?

Yes.  You need to correct the billing descrepancy before you can use the iTunes store.  Write down what error you are getting, and open a support request at expresslane.apple.com for the iTunes store.  They can check the issue and get a solution for you.

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