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Feb 14, 2014 1:43 PM in response to Diane Akelby King_Penguin,If you have a balance on your account then that should be automatically used, your credit card should only be charged for any remainder if your balance doesn't cover the price (your credit card will also be used if you decide to gift anything).
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.