How to remove my payment option on iTunes App Store and iTunes on the iPhone?

I've had this problem many times and eventually it would just work out after a week or so but I'm tired of that so here's what happens: I use prepaid credit cards for iTunes (I've also used a real credit card and had the same problem) and when they max out or run out of funds it will ask me to verify my payment information. So I sign in and it takes me to the page to update the info I update it to make sure there wasn't just an error and if it says something is wrong I know it's maxed/out of funds. And I'm not allowed to download any apps (including free ones and updates for apps I already own) while this happens. There is no option to remove my payment option, before after about a week of continuously returning to the payment page everytime I try to download/update an app a "none" option will appear below the VISA, MASTERCARD and AMEX credit card type however the option is never there for around the first week and is very frustrating. So how do I get the none option to appear ? Or remove a used/maxed credit/pre paid credit card ?

iTunes Store: Accepted forms of payment - http://support.apple.com/kb/HT5552 - "The available payment methods vary by country, but typically you can use: Credit cards, iTunes Cards, iTunes Store Gift Certificates, Content Codes, Store credit (including Allowance Account balances), ClickandBuy, PayPal" - No specific mention of debit cards though older documents no longer on Apple website showed they at least used to be accepted in some countries (not USA).
For India - http://www.apple.com/legal/internet-services/itunes/in/terms.html#SALE But it isn't very specific.
Removing a credit card from an account - iTunes Store: Changing Account Information - http://support.apple.com/kb/HT1918 - More information at: https://discussions.apple.com/message/15891166

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Each time that you add or change the card details on your account (and possibly also if you change your name and address, as the card needs to be registered to the same name and address as on your iTunes account) you will be charged a temporary store holding charge to check that the card details are valid and that the card is active, but it should disappear within a few days or so (the amount of time that it takes will vary by card issuer) : store holding charge.
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I know it's possible to "upgrade" one account adding credit card, I can not find a way to remove it.

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Go to iTunes on a computer, log in with your apple ID and select 'account'.
After that , select 'payment method' and select 'none'.
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PS: reply if you're having trouble. You use mac or windows?
Message was edited by: jesterwylde

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How to remove my payment option on iTunes App Store and iTunes on the iPhone?

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