I have read every reaction on this post and nobody came with an answer. I had exactly the same problem and I really found a solution. I even called apple with my problem, but that wasn't very helpful. This is a solution for people who want to keep using their normal email adress on their Apple ID, but they also want to change their account in a NON CREDITCARD account. It worked for me.
The solution is:
- Create a new email adress, for example at gmail.
- You can change your existing account information at myinfo.apple.com.
- You need to change your old primary email adress into your new, just created, email adress. This way you can keep your old email adress for a new apple ID WITHOUT CREDITCARD
- After changing your apple ID's primary email adress you can create a new account with your OLD EMAIL ADRESS following the steps already given by so many posters here.http://support.apple.com/kb/ht2534
I believe this really is a solution to your problem, I hope it works.
PS. I'm sorry if my perhaps poor English bothers you.
Good luck!