Help getting past the Apple ID credit card part?

My friend gave me his old iphone 4 after he got the 4S and i enjoyed free apps using his apple id for quite awhile, but hes off in another country now so i thought i would sign out and make my own. I signed up but every time i try to use it, it is asking me to review my account information, and there's no option to pick none. Is it just the device i'm using? (i'm using the iphone 4)

Everywhere i go seems to say that there should be a "none" option, but i don't see it. After browsing through other people's posts on various websites about a similar problem and being directed over and over to apples support page it seems that, from what i've understood so far, if you have an unreviewed/activated apple id you need a credit card, if you don't have one and are starting from scratch, then you won't need a card. I'm pretty confused. In recap, i made an apple id and every time i try to use it it wants me to review my account, but when i do there's no option to pick "none" in the credit card section. Anyway how i can fix this? If i absolutely need to i can add a card, but id rather not. If it does come to it, can i remove the card information and still have things work properly such as the app store? Free apps of course.

It's always going to ask for a credit card I just put a inactive one on mines but if you reset the phone there's a option that says no credit card and swipe that but I don't recommend it just get a iTunes card and it won't bother you I have a iphone 4

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Http://support.apple.com/kb/HT2534
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