Don't worry, Apple won't write off money from your account or credit card. The system simply needs to check the authenticity of payment information.
This happens after the creation of a new Apple ID account, when you bind a new bank card, when the card is reissued by the bank instead of the old one with expired validity.
After entering the payment information on the card can temporarily block a small amount (usually equivalent to $ 1), this happens to check the positive balance of the account. This amount is refunded to the account in a few hours / days.
Once the card is confirmed, you can download the update / other applications.
If for some reason you do not want or can not confirm payment information, you can always create a new Apple ID without a linked card or account.