You cannot download free software from the app store onto your laptop with out a credit card on file. The status of my CC changed. The app store refused to let me download free software until I corrected the data for my CC. Apple does not want me to be a friend. I don’t even feel like a customer. My grocer makes me feel good about going to their store. Even the minimum-wage employees are friendly. But in nearly everything dealing with Apple, I feel like a bank account because to Apple I am only a source of revenue.