Trying to download a free app and asking for credit card.

Trying to download free apps on my Iphone, and it always asks for my credit card.
does this occur to other people, and how can I by pass this.

If the option for "None" is not present, then there may be a balance due on your account.  There is also a post by another user - mountaingoat girl that may help.  I have a screenshot of her instructions (Credit to her).

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