How do I tell iTunes to use the balance in a gift card to purchase music instead of charging my credit card?

I'm trying to use the balance from a gift card to buy music for my iTouch, but the system keeps trying to charge my credit card.   How do I use my balance???

http://support.apple.com/kb/HT1364
http://support.apple.com/kb/HT1203
http://docs.info.apple.com/article.html?path=iTunesWin/9.0/en/27554.html
This is the best guide:
http://www.ilounge.com/index.php/articles/comments/moving-your-itunes-library-to -a-new-hard-drive

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