I think it still wants a credit card. What I suggest you do is get one of those gift card credit cards. The American Express ones are the overall best, no activation fees, no monthly deductions, and long expiration time. Then add that to your account. Once Apple is happy that it has a card, use the card to buy stuff, gas/food/clothes until its empty. Apple will take the money out of your iTunes balance and will still be happy you have a card on file.