The iTunes store will not let me use my gift card
the store will not let me use my gift card
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What kind of card? If you mean a stored value card, that may not count as a true credit card.
If you mean an Apple gift card, those have to be redeemed.
This article explains the different kinds of cards Apple uses and has links on how to redeem them and what can be purchased with each kind. Click on the link --> What type of gift card do I have? - https://support.apple.com/HT204199