Credit card vs credit for apps.

I bought a $50.00 credit from walmart for iTunes. I borrowed a friends credit card number to download the upgrade (It said that credit doesn't work with upgrades) and now I am trying to buy some apps, and it says I need a credit card.
Is there a way to download apps using my credit, or is it for credit card only?

Yes that is correct. I used the gift card as normal by redeeming the card at which time it showed the credit amount in the window, I then purchased the 2.0, saw the 9.99 deduct from the total(25.00) was the total amount redeemed with no problems. Then purchased Super Monkey Ball the same way.

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