HT5622 I couldn't purchase free application and my account informed there was a billing problem

I couldn't purchase free application and my account informed there was a billing problem.

Try this:
- go to settings>itunes & app store
- tap on your apple id
- select view apple id
- select payment information
- if you have the option none select it
- select done to the top right
- now try downloading the free app again

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