How do I just get an annual plan, I don't want to get charged every month, I just want to pay for a year. I am afraid of overdrafts and don't want to risk it.
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There isn't an annual plan option. Apple did away with that.
Buy/redeem iTunes Gift cards to the account to cover the annual cost. Normally, charges are taken from the account balance before the credit card on file is charged.
App Store & iTunes Gift Cards by Email