Requires a payment method?

I kept getting 
^[[A ⨯ ApiError: Request to https://api.replicate.com/v1/predictions failed with status 422 Unprocessable Entity: {"title":"Invalid version or not permitted","detail":"The specified version does not exist (or perhaps you don't have permission to use it?)","status":422}

Until I added a payment method.  
Worth mentioning in the pre-reqs