I get an error when I try to buy more iCloud storage space

I want to upgrade th the $40 20GB plan so I can sync all of my devices to iCloud, but I keep getting the "An unknown error has occured" when I try to buy the storage.  I have read through just about every thread here & not one of them has given me a sloution that works.
Now, before you jump to the conclusion that every other thread has, I DO have an AMEX attached to my account & have since day one.  However, I also have about $20 in iTunes gift cards also attached to my account right now.  The only thing I can think of is that Apple for some reason sees that I have iTunes credits & cannot realize that there is an AMEX backing that up once it is gone.
I am fine with Apple putting the $40 straight on my AMEX, but I don't want to have to burn through my $20 in iTunes credits on a bunch of stuff I don't want/need just so I can clear that out of the way.
Has anyone found a solution to this error when your account has a credit card attached to it as well as iTunes credits?

I know that this is a known issue by all of the other threads, but I have not seen this error posted by people who have an active credit card attached to their account.
Is there no solution or even a workaround for this?  Can Apple apply mroe storage if I call them?

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