I try to create my Account ID....and i don't understand why i have to put payment? before my friend create Account ID don't have to put payment they still can create account ID... and now i buy iphone but i don't have credit card that mind i can't not do

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Dear
I try to create my Account ID....and i don't understand why i have to put payment? before my friend create Account ID don't have to put payment they still can create account ID... and now i buy iphone but i don't have credit card that mind i can't not do it
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Hi,
This Link explains how to Set Up an Account ID...  without a credit card...
http://support.apple.com/kb/HT2534
Hope it helps,
Cheers,