How do you pay with a credit card when the Store has a cash balance?

I think the iTunes Store automatically applies your cash balance with before it tries to charge your credit card on file. Is there a way to override this and manually enter your credit card information to pay for a song purchase?
I have a half dozen credit cards I don't want closed. Putting a small charge on them once in a while makes sure the card accounts stay home, and purchasing a song from iTunes is one of the perfect ways of doing this. So once a month of so, I'd like to purchase a half dozen songs each with a different credit card. My store account already has $140 in cash balance, because I keep on getting iTunes gift cards faster than I can use them.
Aside from creating a second iTunes account, whose library would be a pain to maintain the integration with my main account, is there a way to accomplish my goal?

Gift the songs to yourself.
(110398)

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