HT1491 need help with the payment settings

im having a problem with my ipod 5 it is not letting me download any apps it says i need a visa /credit card but i dont own one so what do i do

Create a NEW account/ID for her using these instructions. Make sure you follow the instructions. Many do not and if you do not you will not get the None option. You must use an email address that you have not used with Apple before. Make sure you specify a birthdate that results in being at least 13 years old
  Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card
More details of how:
http://ipadhelp.com/ipad-help-tips-tricks/how-to-get-free-apps-from-the-app-stor e-without-a-credit-card/

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