I have a $20 credit on my iTunes account from Gift Cards and I have no credit card. Why can't I make an in-app purchase?

I've never had a credit card on my iTunes account because I mostly purchase free apps and because I don't own a credit card. If I want to buy an app I use a family members Apple ID. I had two $10 iTunes gift cards and I put them as credits to my iTunes account. Now I'm trying to make an in-app purchase of something worth 19.99 and it says that my iTunes account has insufficient funds. The billing information appears and I choose "none" as I always have for it to charge it to my credit balance but again it says that I have insufficient funds. I checked in my iTunes account and it still says that I have a $20 credit balance.

You have a Puerto Rico address on your account ? From a quick search I've found one site from somebody in Puerto Rico that includes a screenshot for an app receipt showing tax of 7 cents added to a 99 cent purchase. Are you able to view the purchase history on the account that you've been using, and see what prices show on them (e.g. if the store's listed price or price plus tax) : Store > View Account menu option on a computer's iTunes, then 'see all' link next to the Purchase History section.

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