Although I have money on my iTunes it still ask me for my payment details and I don't understand why

I have money on my iTunes but I still can't use it.

How/when was the account created ? Unless the instructions on this page are followed when creating an account : http://support.apple.com/kb/HT2534
then credit card details will need to be entered before the account can be used to download any item from the store.
If you are being prompted to review the account then you could see if the instructions on this post by mountaingoatgirl lets you do so without needing to enter credit card details : https://discussions.apple.com/message/24303054

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    Hello Saethwyr99,
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    check the next add-on : [https://addons.mozilla.org/en-us/firefox/addon/expire-history-by-days/ Expire history by days]
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    I have money in my itunes account but when I try to buy a song it doesn't let me buy it or download.  It doesn't do anything!

    You cannot and need to ask Apple to reset your security questions. To do this, click here and pick a method; if the article doesn't list one for your country or you're unable to call, fill out and submit this form.
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    It says in the corner of my itunes account that i still have money from my itunes card that i redeemed, but when i try to buy a song, the billing info. pops up. Why can't i use the money on my card?

    It is simply asking you to verify your account info. Select None for the CC.
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