Why can I not purchase apps with the App gift card and no credit card?

trying to purchase a free app, but it keep wanting me to add a credit card, which I will not do, and I have iTunes/App credit.

Create a NEW account/ID for her using these instructions. Make sure you follow the instructions. Many do not and if you do not you will not get the None option. You must use an email address that you have not used with Apple before. Make sure you specify a birthdate that results in being at least 13 years old
  Creating an iTunes Store, App Store, iBookstore, and Mac App Store account without a credit card
More details of how:
http://ipadhelp.com/ipad-help-tips-tricks/how-to-get-free-apps-from-the-app-stor e-without-a-credit-card/
Then redeem the iTunes gift card

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