Can I force App Store/iTunes to require CCV prior to purchasing?

As I have my credit card details saved in my Apple account, I'm worried that someone who has access to my iTunes or my iPhone will be able to make purchases using my credit card if I was recently logged in. Is it therefore possible to force Apple's App Store, iTunes Store AND Online Store to require credit card verification prior to permitting payment or should I just remove my credit card details?
Thanks

I don't even have a App Store icon on the phone.  Is there a setting that is screwed up?
First swipe to the Spotlight search facility on your iPhone and type App Store. Does the App store show in the list?
If not, have Restrictions been activated on your phone (Settings/General/Restrictions) and installing apps restricted/turned off?

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