I have created an apple id without a credit card or payment method but then it required me to review it as it hasn't been used by the iTunes thingy and then it asked for my credit card number etc why?

That means you did not follow the instructions:

Create a NEW account/ID for her using these instructions. Make sure you follow the instructions. Many do not and if you do not you will not get the None option. You must use an email address that you have not used with Apple before. Make sure you specify a birthdate that results in being at least 13 years old

Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card

More details of how:

http://ipadhelp.com/ipad-help-tips-tricks/how-to-get-free-apps-from-the-app-stor e-without-a-credit-card/