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Mar 29, 2014 9:52 AM in response to kelky20by King_Penguin,How was the account created ? Unless the instructions on this page are followed when creating an account : http://support.apple.com/kb/HT2534
then credit card details will need to be entered before the account can be used to buy/download any item from the store. As long as you are buying content for yourself your balance should be used first.
How purchases are billed : http://support.apple.com/kb/HT5582
If you are trying to gift an amount or an item then your credit card will be charged, you can't gift from your balance.