WHY do I have to reset or unlock my Apple ID every time I access Itunes through my Iphone 3G?

Iphone 3G, iOS 4.2.1
Keeps requiring me to reset/unlock my apply ID!!!!   This seems like it keeps asking for credit card.  I put "none" which it works, then it'll stop the next day.  Very annoying.   I DO NOT want to list my credit card info on itunes, since apple is not secure.  I had my account hacked through my Iphone, which in turn the hacker charged my itunes account for over $1000 with $50 increments.   

This same exact thing started happening to me a few days ago.
Every time I open the iPod app - I'm prompted for User/Password.  I even changed my password, thinking I forgot it, and still - insists that I enter this information.  If i hit OK or Cancel it just keeps asking like a never ending loop.
Eventually, when I do fill out the info, it will go away until I re-open the iPod app.  This is more of an annoyance than a real issue - but if it's a bug, I hope it gets resolved.
Any support in this matter would be greatly appreciated.

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