What happened to the "None" option in payment settings?
I and many others are stuck because there is no way to remove a debit/credit card and even with iTunes gift credit, iTunes will not allow us to make purchases (even a free ones at that!)
This is ridiculous on many levels but my primary concern is this - Why can't I remove my debit card and continue with purchases on gift card credit!? The "None" payment option was there before but I'm assuming it was removed with an update. Has Apple really stooped this low?
Do the right thing and fix this Apple!
I think I figured it out!
I was having two problems. 1 I couldnt remove my credit card. and 2. iTunes wouldnt accept my security code for my card.
I finally figured out what was happening. I checked my purchase history and I had an outstanding balance from some in-app purchases. They couldnt be paid because itunes wasnt accpting my security code. So to fix that, I linked my Paypal which is linked to the same card. The outstanding balance went away and I suddenly had the "None" option back for the credit card.
Basically, check if you owe something to iTunes. Its under Account>Purchase History and it'll be there. Take care of that and the None option will appear. I guess iTunes does that so people cant remove their card before their account is charged.
It worked for me, hope it helps!