"You are unable to download FREE apps on the app store because you have insufficient funds in your credit card."
- Apple

It’s annoying, but it’s because you’ve got outstanding purchases they’ve not been able to charge you for yet, so it makes total sense they’d stop you using stuff until you pay up 🤷‍♂️

I’ve had it happen before though where I’ve bought something, forgotten, spent the money and then they’ve tried to charge me 😂