I want to buy an album in a different country.

I was wondering if I can sign up for an account in my country (U.S.) and then buy an album from the Finland store. I can change the store in iTunes to finland and look at the album I want and listen to samples but when I try to sign up for an account it says my credit card number isn't valid in Finland.

You need a credit card that is tied to an address in Finland in order to purchase from the Finland store. This is a restriction from the record companies, not Apple.

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