How to get apps without a credit card?

I have an IPhone 4, not 4s. I try to go for an app, I hit install. Then it makes me review my Itunes account. When it comes to the Itunes account thing, it has some credit card companies but nothing says 'none'. How do I get the apps?

I had this problem to. Eventually I just ended up putting my moms credit card number in, even though I just wanted free apps. Maybe if you buy like a $10 itunes giftcard it lets you skip that step?

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