I can't purchase anything even though I redeemed an iTunes card for $15. Apple is asking to verify my credit card info, and also for answers to security codes that are not mine.

Okay so I just got an iPhone 5. My first iPhone. In the past I've had two different iPods, an iPod Touch 3rd Generation, and an iPad 2.
I only have 87 cents in my bank account so I paid cash for a $15 iTunes card so I could get some applications on my new iPhone 5. I realize that iTunes won't let me download updates or buy new applications when my bank account has a low or insufficient balance, so it will ask to verify the code on the back of the card. After entering the code, it says to please enter valid information. The information is valid, but won't be accepted because it has a low balance.
I tried selecting "None" as my payment options to see if that would allow me to make purchases using the $15 balance I just redeemed from the iTunes card. It doesn't seem to help the situation.
I went to contact Apple, but I had to schedule a call (this is the first time I've ever had to contact support for a problem - ever). I also sent in an email hoping I would get a response sooner. I want to play with my phone now, not in a few days when they can finally call me back...
While trying to figure out a solution to this, I ran into a couple of security questions that aren't even mine... They can't be because I don't have an answer for them. These security codes are not mine. I tried putting in an answer and it didn't work - obviously, because the questions don't apply to me. What the heck is going on Apple? I've never had so much trouble with your services before.
I'm not very happy right now.

Look, I understand I still need a card attached to the account. The problem is, it won't accept my card because I only have 87 cents in my bank account right now.
If I had known there would be so much trouble with the iTunes card, I would have just put the cash in my bank account in the morning instead of buying an iTunes card (I didn't expect the banks to be open on Thanksgiving of course).
Apple will only accept cards that have a balance. The balance is so small in my account that it won't accept it as a valid card.
I'm going to have to contact Apple anyway to reset the security questions. That's obvious. Your answers were not exactly helpful. You didn't tell me anything I don't already know, but thanks for trying to be helpful.

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