Can't get App Store to use my balance not my m/c

My account shows a balance, but the App store insists on using my m/c and it won't let me delete it either. What do I do to use my existing balance to buy apps?

If you make a purchase (including any applicable taxes and fees) that exceeds the total cost of an app then your ciredit or debit card is charged for the balance.

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    Hi,
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