HT4009 i have 51 dollars and cant buy a 49.99 in app purchase? it keeps sending me to credit card page when i dont have one

I have 51.03 dollars in my itunes account and when i try to spend it on an in app purchase for 49.99 it says i have insufficient funds and sends me to the credit card page?

Contact iTunes support:
Go to https://expresslane.apple.com
Choose 'iTunes', then 'iTunes Store'.
A new page will open.
Choose 'Purchases, Billing & Redemption', then the most appropriate sub-category, usually 'Apple ID account billing'.

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