How do I access money in my iTunes account

I can't access money I have in my iTunes account to pay for apps, songs, books. How do I redeem ?

I have $50 in my Apple account and all year long it's been billing my CC for purchases and my account balance has been left untouched. Rather frustrating. I have had multiple iTunes gift cards that I've redeemed and seen the balance increase in my iTunes account at the top of the screen next to my apple ID. I don't know how much more clear I can be, along with the other posts above. They're quite clear and I don't understand why this issue hasn't been answered.

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