Q: How can I use in app purchase without credit card using account balance

Hi Kaijinfromtx,

Thanks for visiting Apple Support Communities.

When you make an In App Purchase, the iTunes Store should use any gift balance or account credit first. You may still be asked to verify the payment information on your account before completing the purchase.

You can find more information about iTunes Store billing in these articles:

iTunes Store: How iTunes Store purchases are billed

http://support.apple.com/kb/HT5582

iTunes Store: iTunes Gift balances

http://support.apple.com/kb/ht5035

Best,

Jeremy