HT4009 How do I make an in-app purchase using iTunes card and not a credit card? Please Help!

I can't make an in-app purchase in the app game Campus Life. iTunes goes to the credit card and I don't have a credit card, and so an error shows up insufficient funds. I have money in my iTunes account from the gift card. How do I buy through iTunes not through a Credit card? I didn't see anything on iTunes/apple account that will let me change it. I see other people can get gems or whatever through iTunes in-app. Please help ASAP! Thanks.

I'm having the same problem with the cards app by Apple. Someone please help!

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