It keeps declining credit card and now I can't update my free apps

How do I go back to data charging to my phone bill

Go to settings on your device then select app store. If you tap on the email that is shown it will give you an option to view your apple ID. When you are viewing your apple ID, tap on payment method and it will show a list of credit card options. The one at the bottom should say none. If you then tap none for payment options the credit card will not be connected. If you go on to the app store again you should be able to download free apps with out any issues.
Hope this helped!

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