How can I purchase a GIFT using the credit balance in my iTunes account?

When attepting to gft an app to a friend, the iTunes store is asking for a credit card when I have a rather sizable credit in my iTunes account. ***? I don't want to pay MORE when I already HAVE plenty of money in my account!
How can I gift using my credit?

That's a total CROCK!! Now I can't buy my mom a mother's day gift.

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