Why can’t I purchase with my Apple account while I have funds in it
I have $35 in my Apple account but I can’t purchase anything with it. Why?
This document outlines what you can buy with your Apple ID [Apple Account] balance --> What you can buy with your Apple Gift Card or Apple Account balance - Apple Support
"Some purchases might require that you have a credit card on file, even if you use your Apple Account balance to make the purchase."