I don't have a credit card, and I don't have a itunes gift card, but I do have $20 registered to my account. I can't buy anything without "verifying my payment information"???

Everytime I want to buy a song on itunes it asks me to verify my credit card or put in a gift code. If I ALREADY bought $20 worth of gift codes why do I have to verify my freakin payment information. This is rediculous. Why can't there be a "none" option??

In this Link:
http://support.apple.com/kb/HT1918
See this Section
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