Unable to use credit balance

I show a balance of five credits, but don't remember getting a gift card. Does anyone know how to use those credits and if that is not possible, how to reset the balance to zero?

just found this:
roaminggnome
Currently Being Moderated Re: why is music purchase not deducted from my credit balance instead it asks for my credit card.    Apr 22, 2011 12:39 PM    (in response to richardfromlakeside) 
It is not being deducted from your credit?  Are you sure?
Just because it is asking for your cc info, does not mean that it will be charged.
This is how itunes verifies your account and that you are a resident of the country of the itunes store that you are trying to use.
Going to give it a try.

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