Store with no Credit Card

Greetings fellow Internet inhabitants,
How does the average person setup an account on this service without having to enter credit card information?
I would like to complete my iTunes store setup so that I can download album art and what-not for my MP3 collection. It's easier than scanning it in, and takes up a lot less space. I have my AppleID, and can login, cruise the iTunes store website, but as soon as I log in with the iTunes software, it says that my account has not finished setup. That, my friends, is bullsh!t.
What they mean to say is that the Apple store has not had an opportunity to feel around inside my wallet to extract 1 or more credit cards that can be hit for a small fee in order to "verify" my credit is good. I'm not asking for anyone to check my credit's soundness, I am trying to login to check out the service, decide if it is worth my time, and to possibly spend some GIFT CERTIFICATE cash, not credit card cash, on the site.
Mark

Actually roaminggnome, I am not displeased with the service thus far. Yes, I am bound by the service providers' rules, but not by their policies. The policies of a service provider are THEIR policies. The service agreement that I read didn't say anything about being forced to share my information. It did say that I acccept all responsibility for purchases made from my account, and that Apple may share my information with others, but I don't have a problem with that if I control what PERSONAL information they have to share about me.
Now, the fact that I can setup an account without sharing my credit card information begs another question: Why can't the customer just do this at the beginning of the transaction?
In order to do this, I had to rely on others to point me to the link. Then I had to use a different email address because the other one didn't provide this "payment option". As a service provider, Apple is not generating a lot of trust or goodwill. This option should be a standard option for every account. I do indeed have the option of going elsewhwere. Thanks for making me feel so welcome.
Just my 2¢, collect the whole dime.
Cheers!
Mark

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