App store requires a credit card?

I'm trying to setup an iphone5 for someone and they ONLY want to download FREE apps.   It's running IOS 6.0.1.   While going through the App Store setup on the device it is REQUIRING a credit card.  I've read the article from Apple ( http://support.apple.com/kb/ht2534 ) that states no credit card is needed.   However, the fact is the option of NONE does NOT exist on the Iphone's App Store setup, it only lists credit cards and won't let you go past it.
So how do you download apps if you do not have a credit card even if you only want free ones?  In other words how do you get past not having a credit card?
Thanks... Gary

You will see the 'none' option if you try do download a free app FIRST, then create the apple id.
Creating an account without a credit card
http://support.apple.com/kb/ht2534
If you've already created the account, you will either have to add credit card info for identity verification purposes and then you can remove it later. OR you use an itunes store gift card.
Apple ID Support
http://www.apple.com/support/appleid/

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