Do I have to buy an iTunes card to be able to downloads books or is there a way to do it by credit card?

How do I put money on iTunes account?

When you created your account in iTunes, you should have added a credit card to that account.  With a credit card on file, you can buy whatever you want from iTunes and it's automatically billed to your credit card.  To add a card, go into Settings > Store and click on your Apple ID.  Fill out the credit card information, save and you're done.

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