ITunes won't charge purchases to gift balance, only charging cc, accounts merged?!

I'll try to make this as short as possible.  I am newish to itunes.  I have an Ipad and a pc computer on my itunes account.  My husband has an iphone on his account.  I have a gift card balance on my itunes account, but recently noticed that it is no longer using my balance to pay for purchases...instead I have to verify billing info and it charges my card.  I thought I could fix this by selecting "none" on the cc info page, but instead it asks for security questions to be answered...here is the catch...it is asking for my husband's security questions and it shows his e-mail address, even though I am signed into my account!  I have plugged his phone into my computer before, is this why I am now experiencing problems?  How can I fix this without losing all of my library? 

Is it actually prompting you for a credit card, or just asking you to verify billing details? Due to recent security issues and identify theft (mostly due to phishing scams), the iTunes Store seems to be requiring more frequent verification of billing information, even if you have a balance from a prepaid card. Go into the Payment information in your account and set the payment method to "none", if it's not already, which should then stop the regular requirements for verification. It may still ask - mine did for a while - but you should just be able to click through the buttons without problems.
By all means, though, if you prefer eMusic, use that service.
Regards.

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