HT5622 how can I skip the visa check or billing information step to use my apple ID, because I don't have a visa card?

Dear All,
I just bought the new Ipad mini, and I have a problem when I'm signing in on my apple id I just made,
1) when I sign in it logs in but a pop window appear with this message: this apple id not yet used on apple store, then it give me 2 options cancel or review,
I click on review it take me to a page for the agreement and conditions, I agree with it, it takes me to another page with the name of billing information which contins visa card or payment method verification that I can't skip because I don't have a visa card.
could anyone tell me what to do?

Create a NEW account using these instructions. Make sure you follow the instructions. Many do not and if you do not you will not get the None option. You must use an email address that you have not used with Apple before.
Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card

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