I no longer have a credit or debit card.

What does the message say exactly? Is it specifying that you need to use a card, or is it just saying that you owe money for something and have to pay for it?

It may be a case of where you owe money for something you purchased in the past and Apple requires that you pay for it before you can do additional downloads or updates. This article outlines how to redeem an Apple Gift Card or App Store & iTunes gift card --> https://support.apple.com/HT201209 Go to a store selling them or buy one online here —> https://www.apple.com/shop/buy-giftcard/giftcard

If it is specifically requiring a card then you have no option but to enter one such as a credit or debit card. Read the support article https://support.apple.com/HT201266 about how to do that.

If you do not have a card, see if somebody is willing to add you as a member of their Family Sharing group ( https://support.apple.com/HT201088 ). They will, however, ultimately be responsible for any purchases you make should you not have sufficient personal account balance to cover any charges. If you are not a full adult they may wish to use https://support.apple.com/HT201089 to restrict your purchasing ability until you have your own card and can leave the group.

Sometimes a card need only be presented once. If you are using your account for the first time:

https://support.apple.com/HT204053

- "When you sign in to the App Store and other media services for the first time, you might need to add a credit card or other payment information."

See if somebody is willing to enter their card to satisfy this requirement, then remove it immediately.

For some kinds of purchases a card of some kind may absolutely have to be present:

https://support.apple.com/HT201266

"To make purchases from the App Store and use subscriptions like iCloud+ and Apple Music, you need at least one payment method on file." Note that there may be a differences between “purchasing” an app for money, and simply “getting” one for free. I get free ones with no payment method.

https://support.apple.com/HT207165

- "You might need to have a payment method on file, even if the app that you want to download is free."

https://support.apple.com/102632

- If you have any active subscriptions, you must have at least one payment method on file other than Apple Account credit.

- You might not be able to remove a payment method if you have a balance due.

https://support.apple.com/HT204053

- "When you sign in to the App Store and other media services for the first time, you might need to add a credit card or other payment information."

https://support.apple.com/HT201359

- You can’t charge gifts to your Apple ID balance. If you send a gift or gift card, your primary payment method is charged.

- Some subscriptions might not be charged to your Apple ID balance.

https://support.apple.com/HT211187

"Some purchases might require that you have a credit card on file, even if you use your Apple Account balance to make the purchase."

If available for your region/country, you can redeem Apple Gift Cards, which will then be used to pay for content from Apple. Your Apple Account balance will show up as first payment method in the list in Settings ->. Your Name -> Apple Account -> Payment & Shipping

Redeem App Store & iTunes Gift Cards, Apple Music Gift Cards, and content codes - Apple Support

What you can buy with your Apple Account balance - Apple Support

Re: "I no longer have a credit or debit card. Apple will not let me change to none".

Generally, you only need a payment method in your account for the first time you use the App Store or iTunes, or, if you are making a purchase.

If you can't remove a payment method, you may need to cancel subscriptions, turn off purchase sharing or pay an unpaid balance.

If none of those things apply, and you can't remove the card, you may need to contact Apple Support for assistance.

Apple support's linked article below can help with any of those circumstances.

See: how to: Remove a payment method from your Apple Account

https://support.apple.com/118291

To see a list containing other payment methods you can use in your country or region: You can scroll to your country or region in the linked article below.

https://support.apple.com/111741