HT5557 How do I purchase from iBooks and charge to the credit I have in iTunes, not my card on file?

How do I purchase an iBook and use the credit I have in iTunes, not charging my card on file?

The iTunes Store in a country is intended only for use by that country's residents while they are in the country. To use the iTunes Store in a country you need a credit card (or other card type if acceptable in a country) issued in that country, billed to an address in that country, and also be physically present in that country when using the store.  You are also restricted to waiting 90 days between country changes.
E.g., "The iTunes Service is available to you only in the United States, its territories, and possessions. You agree not to use or attempt to use the iTunes Service from outside these locations. Apple may use technologies to verify your compliance. - http://www.apple.com/legal/itunes/us/terms.html#SERVICE"

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