Help! Problem Purchasing Music on iTunes iPhone store with Gift Credit

Hello, i am using iTunes store on my iPhone 4. I redeemed a gift card and that credit money is showing up as available. However, as I try to make a purchase, instead of deducting payment from that redeemed credit, I'm asked to sign in and my visa info is displayed with 'invalid security code' message. Now, why is it routing to visa when I have available gift credit? Help someone, please? I

No one at all has any ideas?

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