I have a bunch of money on my account from iTunes giftcards, so why do I have to select a payment method (credit etc...) when I already have plenty on there?

So yeah... I have a bunch of money on my account from iTunes giftcards, so why do I have to select a payment method (credit etc...) when I already have plenty on there?
This has only been a problem with the new update. Help me please!

Asking for card details is a way of confirming that you are able to buy from that country's store, it doesn't necessarily mean that the card will be charged for the purchase (unless you are trying to gift content or an amount, that can only be done via a credit card) - have you tried entering the card, you should then get the 'none' option so that you can remove it

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