Can't use $$$ in account!

When I attempt to purchase music on iTunes, the $34 I have in my account is not recognized.  I am asked how I will pay but there isn't the option of paying with money I already have in my account.  Help....need music soon for party!

excellent points greg, but not applicable here.
there are 3 accounts guest, me, admin.
the guest is 'factory stock', the admin is 'factory stock' w/pass, and mine is mine.
as i stated i can use guest in safe mode on my wife's imac, which is configured identically.
there are zero passwords on our guest accounts.
additonally, all permissions on both computers 'check-out' ok per disk utility.
ps....i update only in safe mode so that nothing will interfer/hinder a proper update. we always download and install directly rather than using the 'automatic' update via software update.

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