When i download a free app it says i gotta pay?HELP

I have never had this problem before but when i go to Top 25 on my ipod touch then click Top free i download an app and it says i must have a credit card im only 13 and mum doesnt trust giving her credit card number away on the computer or devices so dont bother saying that.When i signed up for apple id i just click i didnt have a credit card.My sisters dont have this problem its only me.Help?

With a normal iTumes account, a valid payment method is required even for free apps and app updates.  Yu can purchases and redeem an iTunes gift card into your account.  Also, you can create a new iTunes account that is only good for free apps by following these instructions:
Create an iTunes App Store account without a credit card

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