I am using USA App Store and when I created my Apple Id last year, I chose the "None" Payment option and since then there was no problem when downloading new apps.
Recently, I purchased a gift card to buy a non-free app. I did redeem the gift card and my balance increased properly but when I went to download the app to pay for it, a pop-up message said "Verification Required" and forced me to choose payment method. The only methods available are Credit/Debit Card and Paypal. There is no "None" option to choose and I got stuck here and cannot download my desired app.
I have no overdue payments, no subscriptions, and do not use Family Sharing.