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Helpful answers
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Sep 6, 2016 7:19 AM in response to cnhutchby King_Penguin,You can't choose how items are billed, it's automatic.
If you are a family organiser in family sharing you can't use any balance on your account, nor can you remove the payment card from your account.
If you aren't a family organiser then you are trying to remove the card just by logging into the account (you won't get the 'none' option when trying to download something : Change or remove your Apple ID payment information - Apple Support
If that is what you are doing then do any of the scenarios on the 'if you don't see None or can't select it' link on that page apply ?
And if you aren't a family organiser and your balance isn't being used contact iTunes Support : http://reportaproblem.apple.com or the 'contact us' link at the bottom right of every page on here