It annoys me that Apple/iTunes Store checks my bank card/account even when I update existing apps for free or download free apps and this for one main reason. I have security settings on my bank account that I can't use if I don't want to unlock and then lock my bank card again every time I download a free app or updates an app. That's really annoying and I guess that my bank isn't the only bank with security settings for different areas in the world or for Internet.
I can't see why this is necessary. If I download a free app or update existing apps for free there's no reason to check, right?