HT5552 i have an account credit of $20.  How do I apply it to purchase since I have no code

how do you use a $20 account balance to purchase music

If you click on the song's or album's price in the iTunes store then you should be able to buy it - your account's balance should automatically be used first, and only if that doesn't cover the price of the item will any remainder be charged to your credit card, you don't need to (and can't) specify how things are charged.
If you are gifting items then you can't use your account's balance for that, gifting can only be done via credit card.

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