HT201209: Redeem iTunes or Apple Music Gift Cards and content codes
Learn about Redeem iTunes or Apple Music Gift Cards and content codes
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Helpful answers
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Aug 13, 2013 1:43 PM in response to Cfhhby King_Penguin,No, if you are buying an item for yourself then it will automatically use your balance before your credit card - if your balance isn't enough for the item then the remainder will be taken from your credit card.
How purchases are billed : http://support.apple.com/kb/HT5582
If you want to use your credit card then you could see if you could gift the app to yourself (you can only gift from a credit card, not an account's balance) - I haven't tried it, so I'm not sure if gifting to yourself will work.
Gifting : http://support.apple.com/kb/HT2736