HT204053: Sign in with your Apple ID on a new device
Learn about Sign in with your Apple ID on a new device
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Helpful answers
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Jul 5, 2013 9:24 AM in response to veeeroA.by King_Penguin,If you are buying for yourself then your account's credit should automatically be used before any charges are applied to your credit card - if you are gifting items then that can only be done from a credit card.
How purchases are billed : http://support.apple.com/kb/HT5582