Can I have an iTunes account on an iPad without providing payment options, because I don't hav a credit card

I don't have a credit card and I am being asked for payment option in order to verify my iTunes account

If you only want the free apps, take a look here:
http://support.apple.com/kb/HT2534
Read the steps carefully as the order in which you follow them is  critical. Note that you can do this only when creating a new Apple ID. You cannot use an existing ID. 
You will of course not be able to get anything other than the free content without entering in some sort of payment method (credit card, prepaid iTunes card, gift certificate, etc.)
Regards.

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    http://support.apple.com/kb/HT1918
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    http://support.apple.com/kb/HT2534
    Read the steps carefully as the order in which you follow them is  critical. Note that you can do this only when creating a new Apple ID. You cannot use an existing ID. 
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    Forum Tip: Since you're new here, you've probably not discovered the Search feature available on every Communities page, but next time, it might save you time (and everyone else from having to answer the same question multiple times) if you search a couple of ways for a topic, both in the relevant forums and in the Apple Knowledge Base, before you post a question.

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    FOR ASSISTANCE WITH ORDERS - iTUNES STORE CUSTOMER SERVICE
    For assistance with billing questions or other order inquiries, please refer to our online support page by clicking here: http://www.apple.com/support/itunes/store/. If you cannot find the answers you are seeking in our robust knowledge base, you can contact us by visiting the following URL http://www.apple.com/support/itunes/store/, clicking on the appropriate Customer Service topic, then using the contact button or email form at the bottom of the page. Responses to emails will be provided as soon as possible.
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    Email: [email protected]
     Cheers, Tom

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