HT2534 i have no option of NONE in i tune account. and visa method is also declined.than how can i make the account in itune?

dear sir.
i am using iphone 4s. i have created apple ID. BUT  when ever i want to install any application. than ask for itune account, there is no option of NONE. AND ITS NOT accepted visa card. what should i do now? because i don't have master amd amex facility.

We are fellow users here on these user-to-user forums, you're not talking to iTunes Support nor Apple.
Did you follow the instructions on the HT2534 page that you posted from when you created the account (I've just tried the instructions and I got the 'none' option on a new account) ? If not then credit card details will need to be entered before the account can be used to download any item from the store. If you are trying to use a debit card then they are no longer accepted in all countries.
If you are being prompted to review the account then you could see if this post by mountaingoatgirl lets you do so without needing to enter credit card details : https://discussions.apple.com/message/24303054
If not then you will need to create a new account, and use the instructions on that HT2534 page when creating it. If you want to use the same email address then you will need to replace it on that account first e.g. by tapping on it in Settings > iTunes & App Store on your phone, via the Store > View Account menu option on your computer's iTunes or via http://appleid.apple.com
Creating an account with 'none' via a computer's iTunes : https://discussions.apple.com/message/24321860

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