cannot download
Why is it that we cannot download stuff because we have no money on our card that’s signed in my apple id even when free like games or even update apps
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If you want to make purchases or update / download apps, including free apps, you need to update your payment method or add a new one.
See also the following Apple articles:
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
Add money to your Apple ID balance
Add money to your Apple Account balance – Apple Support (UK)
If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.
If you're still unable to update your payment method, Contact Apple Support.
Click here for more support and assistance.