why do I need to verify payment info if I have money on my account?, why do I need to verify payment info if I have money on my account?, why do I need to verify payment info if I have money on my account?

Have you tried setting payment type to none? If memory serves me that is an option :)

There is no *%#!%^ none option in payment review.

wonder why they are not trashing this useless help thread in FAQ's ??

Create an iTunes App Store account without a credit card

Credit card billing info is how the verify the account and the location of the user.

I am not sure that you can avoid it.

I have never used my credit card information on iTunes. I always put None, and just my address where I live. I have downloading music fine until today.

I have a IPhone 4S I have to verify my account?

why do we have to verify our accounts?

You don't have to have a credit/debit card but it is normally used at some point to validate your address so that, for example, you don't try to access the store of a different country.

There are some hoops you can jump through as you create your iTunesaccount that workaround the need for a card, otherwise once the account is set up iTunes may still expect you to provide one, which you can subsequently remove. If you don't have or want to use a credit card at this time you can try this method...

1. Enable the menu bar if needed with Ctrl+B (Applies to Windows only)
2. Sign out of the iTunes Store from the Store item on the menu bar
3. Go to iTunes Store home page
4. Go to Quick Links > Redeem
5. Sign in with your Apple ID
6. Go through the screens, accepting the EULA, etc. You should arrive at a Review Payment screen where one of the options is None - select this and continue... you shouldn't actually need to redeem a new voucher/card

tt2