How do i change my Itunes payment method from Visa to None..?

Ok..so I originally had my credit card on there, but when it got maxed out, I changed it to a prepaid Visa card that I got for Christmas. The Visa card is now maxed, and my credit card is still maxed, and apple won't show 'NONE' as a payment option. I have had the option available once before, but i have no idea how i did it. How do I get 'none' to show so I can download free apps and update my other ones again? It keeps saying that the card is declined. Well of course it is, it only had $5 left on it, but now that its done with i wanna take it off. I dont have another card to put in its place that would work. Someone please help..This is so annoying. I know that there are already questions out there that are something like this, but none of them answered in a way that would help me.
PS. Do you think it would make a difference to create a new apple ID and just use that if i cant get the payment method to say 'None' again? When you first make a new account, is 'none' an option?

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