Having trouble downloading apps, please help

I just recently bought an i phone 3gs, i do not have a credit card so i bought a $25 i tunes card so i could download apps.
my total balance on i tunes now is like $35, when i go to download an app i want to buy, i click on the "buy app" button and then a box pops up that says "payment information required" soon as i type my password it brings me to edit payment information. i put none for payment method as i have $35 in store credit. soon as i click done it just brings me back to the same screen where is asks me to click on the "buy app" button. if i click it it brings me back to "payment information required"
i can download music no problem but can't download apps can someone please tell me what i need to do?
thanks

Yes, as stated apps are prohibited from being downloaded...
If you don't have a credit card to link to iTunes...use a debit card...works just the same..

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