HT5622: Frequently asked questions about Apple ID
Learn about Frequently asked questions about Apple ID
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Helpful answers
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Aug 10, 2013 1:14 AM in response to hailey205by King_Penguin,If there is a balance on an account then that should be used first, the credit card should only be charged if the balance doesn't cover the purchase price (in which case only the extra amount is charged to the card), or when gifting to another account (an account's balance can't be used for gifting).
From http://support.apple.com/kb/HT5582 :
When making purchases, content credits are used first, followed by Gift Certificate, iTunes Card, or Allowance Account credits; your credit card or PayPal account is then charged for any remaining balance.