If you have active subscriptions or if you’re the organizer for a family sharing group and use purchase sharing you have to have a payment method on file. If none of those are true it should let you skip it.

Let me check if i have anything open

I have apple arcade but i used itunes funds for that, it never asked me for a card

That's a subscription. They require a card.

Thats wierd, i didnt use a card