How can I set my payment options in the App Store to 'none' so that I can continue to update the apps and use free ones?

I currently have no balances or orders waiting on payment, but I cannot install free apps or update my current ones because AppStore wants valid credit card information.  I want to get around this so that I can actually -use- my iPhone.
Halp?

As a personal note:
I only subscribed to Pandora Plus.
I have not opted to re-up the subscription.
I have went according to the help information, but am not given a 'none' option.
Should I be blowing up their phone lines over this?   I can't even update like Skype and such without needing to have a credit card?

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