I have a gift card balance of 25.78 and when I have purchased a song and an app it is charging my credit card. WHY???

I have two ipad2s and two iPhone 4s on the same iTune account. I have a gift card balance of $25.78. I have purchased a song on one iPad and an app on a different iPad using the same iTunes account. Both times I have been charged the amount to my credit card and my "credit" balance or redeemable balance has not decreased. Why is this happening? Why won't it take it out of the gift card balance? Please help if you can. This is frustrating. I didn't think I had to do anything special once I "redeemed" the card and put them in the account to use. At first it was deducting the amount from the credited amount when I was initially buying songs. Now it's not. It's so frustrating!

Read here... https://discussions.apple.com/thread/5979741
Also See if this post, by mountaingoatgirl, can assist you...
https://discussions.apple.com/message/24303054

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I have a gift card balance of 25.78 and when I have purchased a song and an app it is charging my credit card. WHY???

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