Why does my iPad ask for a credit card to buy apps when I already have money on my iTunes account?

Why does it do that? It used to do that for free apps to but once I put my credit card on it, it stop asking for free apps. But now it still wants a card even though I still have 20 dollars left from a birthday gift card. I heard somewhere that this was because of a new feature to stop kids from downloading apps that their parents don't want them to or buying a bunch of apps and racking up a huge bill, is this part of it?

Is the card expired? You cannot have an expired card in your account.
JeffoMcSpeffo wrote:
I have $17.97 on my account but when i try and buy Doris (worth only $10.99) i need to fix my credit card information, which also keeps saying theres an error
What is the error?
Try this -> http://support.apple.com/kb/TS1646

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