Do you have to use your credit card to send cards from the cards app? or can I just charge it to my iTunes account?

I have The Same problem I asked the same Question as u did to this Guy called LarryHN.I will tell u If he Ansers.

You replied to a post that was made almost a year ago, not usually a very effective strategy, but anyway, no, you need a credit card. From the Cards FAQ:

http://support.apple.com/kb/HT4990

Cards currently supports payment via Visa, Mastercard, American Express, Discover, and JCB only

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Regards,