ITunes Downloads without credit card on account?

A while ago, my iTunes account was hacked, I assume on your server, as NOBODY has access to my computer, and $75 worth ou iPad apps were bought on my account, which I did nor buy.
As a result, I chose not to link my credit card with my iTunes account. Why is it that I can't download FREE APPS?
Also, I'd download things I have to pay for and pay at check out, but I don't want to keep a card on account.
You will never be able to assure me that Apple's servers are secure. A friend works in the banking industry doing computer software. She says they get hacked constantly, but they just keep it quiet because it would be bad for business to get publicity. I'm sure Apple is no different from the banks.
Is there any way to download apps and music without having a credit card on file?

To be honest, the best option is to have a postive balance on your account, if you are not using a debit/credit card. This can be solved by visiting a local Apple Store, or any gas station/grocery store and picking up an iTunes Gift Card. Redeeming a $15 iTunes card will allow you to download free apps no problem. Plus the upside is now you have $15 for those rare chances you want to sploodge, and get a 99c app without ads, or for a fun game you always wanted to play, that costs 1.99

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