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Learn what to do if you can't remove your last payment method from your Apple ID.
If you're the family organizer for a Family Sharing group and want to share purchases with your family, you're required to have at least one payment method on file.
If you’re not going to borrow, it takes more time, more savings or both to afford major purchases.
For most people, the preferred solution is to wait longer to buy—and to buy less expensive things.
You can remove payment methods from your existing Apple ID after you sign in to the App Store, i Tunes Store, or Apple Books.
You won't be asked for a payment method again until you make a purchase.
If you have a PC, find a free item in the i Tunes Store, try to download it, then follow the prompts to create a new Apple ID.
Switch to online bill payments so your bank sends funds to your biller by check or electronic transfer.
A payment method is also required to set up accounts for children.
Learn more about Family Sharing and Apple IDs for kids.
Apple ID accounts are used to log into Apple apps, phones, tablets, and computers.
Many people see debt as a necessary evil, but it still is possible to live—and thrive—without using debt or worrying about your credit scores.