Regarding security questions and answers reset.

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Hello all. So, I do have an I Phone 6 and I have decided to change my password for my apple ID... the problem that I have seen with this is now, I can't by things using my I phone because it needs verifications for me to inter my security answers to my security questions. Which I don't know off the top of my head... and the only way I know to reset it is to call apple to do it? Is this true? Keep in mind, I don't have apple care and will they stll chage me for it?

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