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May 7, 2016 12:58 AM in response to sureshipadby bobseufert,I don't have a credit card either so I purchase iTunes gift cards and have credit in my iTunes account.
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May 7, 2016 1:04 AM in response to sureshipadby bobseufert,If you have the Paypal option available you may be able to use your debit card with it. See article below.
Payment methods you can use in the iTunes Store, App Store, and iBooks Store - Apple Support