My credit card expired and now I can't update paid for apps. Why can't I upgrade without a credit card?

My credit card expired and now I can't update paid for apps. Why can't I upgrade without a credit card?

The "None" option is not available. Presumably because I have already purchased on that Apple ID with a credit card.
That is not likely the case. As you can see in my account in the US  store I have a bank card in place and I have the None option.

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