My apple ID is constantly being locked when using my iPhone4

In the past month or two, my apple ID has been locked every single time ive tried to download anything from the app store. I have to go in, reset it via email, then verify my billing information. EVERY TIME..... I keep changing my password. What the **** is going on!?!?!

I believe that you will have to enter a credit card now anyway, even if you want to download free apps. There is a very specific way in which an iTunes account has to be created if you don't want to use a credit card.
Create iTunes Store account without credit card - Support - Apple
You don't have to use the credit card after you fully set up the account and get it to work, Apple will put a $1 hold on the account that is used only to verify that the card is valid. The charge will be removed.
After you enter the credit card you should be able to delete it and select None by changing your payment information.
Settings>iTunes and App Stores>Apple ID
Tap your ID
Tap View Apple ID
Enter your password
Go to Payment Information in the popup window to make changes
Select None.

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