My friend just had his apple ID hacked with disastrous consequences, and someone kept trying to log into mine from China, so I changed pw and removed my card from my phone. Few days later I get notice that if I don't update my icloud card info, my icloud acct will downsize. So I go to icloud and reenter card, and now it's back in my phone again for use "with iTunes, iCloud, the App store, and more"(!) Is there really no way to give a card for one without the other two? Is this a required vulnerability? I feel like cc info on my phone at all is a security threat. Is this just required?