How do i delete all information of my card details from my apple id

hello,
so when i tried to buy something the other day on the app store it told my my card was declined so i needed to re enter my card details, in doing so it then told me:
your payment method was declined please enter another payment method.
so i then searched on apple what to do about this, you said to go onto payment information on account and delete it, or click none for payment method.
the billing of your previous purchase has failed because your payment type was declined. please provede valid payment card information and click done to pay your outstanding balance and continue using the store.
if i cant delete my card and i cant use it then what do i do? i dont want to have to buy a gift card.
also my account says it has £4 something in it so why cant i buy an app for 69p?
please help me!
M

You need a valid payment method to use iTunes store.
http://support.apple.com/kb/ht1918

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Hi not sure if this is posted in the right place but i'll give it a go anyway.
Would anyone know how to delete credit card details from an Apple account?
Someone posted selecting 'none' in the payment section would work but i logged into my account online on a computer there aren't any options at all to do this.
I tried hitting edit but there isn't a delete button.
If anyone knows any help would be most appreciated!
-F

Answer should be here:
https://discussions.apple.com/message/12832322#12832322

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How do I remove my credit card details from my Apple Account? I do not like the fact that Apple does not provide a clear and simple option to 'Delete a payment card', I definitely do not think this is legal.
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Hi there
Thankyou for the latter responses from ssschmidt and limnos - as it happens I figured this out by myself. Yes, it appears that Apple will not let you delete an account UNTIL YOU HAVE VALIDATED THE CARD DETAILS. That it, until you have given them all of your credit card details - even down to the 3 digit validation number. Only once you have provided this information does the 'Payment type - NONE' appear.
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As I said before, I still think this ***** the big one. Apple should not be insisting on getting customers' bank details in this way - especially since there are these PHISHING emails floating around which look extremely like official Apple communications. It was the receipt of one such email that alerted me to this issue in the first place - thanks Limnos, I didn't respond :-)
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