The "none" option referenced in these instructions is not available! How do I get it to show up? I tried downloading a free app as suggested by other discussion threads. Did not change anything.
I have tried through the Apple website, through iTunes, using an iPhone, and using an iPad. Same issue on all. I originally created the account through the Apple website. I have never downloaded any applications, paid or free, with this account. Now trying to download a free app and it won't go past the "reveiw" screen demanding a valid credit card number.