HT2534 about making account on app store via Iphone

When i want to create a account in App store on my Iphone 3g S ( 4.1 version )  i get to the part about payment . I cannot select the option " none" because there isn't such a option available only Visa,Mastercard and Amex. Can somone please help me since i don't own a credit card ? By the way,my app store language is croatian so is that maybe the reason ?
Thank you in advance

Creating an account without a credit card
http://support.apple.com/kb/ht2534

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