ITunes account balance $25 with iTunes card but won't let me use it...

Ok I got 25 bucks in my iTunes account, but when I try to download somthing with my phone it tries to charge it to my debit card which has nothing on it. How can I resolve this problem???

You had a purchase total of $25.95 but a credit of only $25.00, so the iTunes Store will try to put the extra $.95 on another form of payment before it can process the order. If the card fails, the Store will hold a "balance due". If you redeemed another prepaid card, the amount due would probably be taken out of the total. If you fix the problem with your debit card, the balance due will probably then be automatically billed to the debit card, though I'm not sure.
I don't know why the iTunes Store isn't accepting your Missouri access card, but it's apparent that it's not an iPhone problem. If nothing on this web page:
http://www.apple.com/support/itunes/store/creditcard/
helps, use the form at the bottom of that page to contact the iTunes Store about the problem.

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