How can I remove my card details from my iPad3

I want to take my card off as I am going to close the account and have no money in it. What's happening is that when I go to iTunes and app part in the settings, click my apple I'd and go on to account details it's saying that the billing information is incorrect and it isn't allowed - that's because I have no money left in the account. It doesn't have a 'none' button or 'close account' so how can I take my card off? Please any help would be great.

How to Get Apps From the App Store Without a Credit Card
http://ipadhelp.com/ipad-help/how-to-get-free-apps-from-the-app-store-without-a- credit-card/
Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card
http://support.apple.com/kb/ht2534
If None is not available - On your computer launch iTunes and click "iTunes Store" in the left navigation pane. Click the "down arrow" next to your name at the top right side of the page and click "Account." Enter your username and password and click "View Account" to log into your account information. Next to your Payment Type, click "Edit." Select the "None" button and click "Done." Confirm that your card has been removed by returning to the Apple account information screen. Under Payment Type, it should say that there is no credit card on file.
 Cheers, Tom

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