I'm unable to access my my iTunes account?

I have just brought my first iPhone. And now I'm starting to face problems. It's asking for credit card details and I don't have a credit card. I WANA KNOW HOW TO USE/ACCESS APPS STORE AND iTUNES STORE WITHOUT GIVING MY CREDIT CARD DETAILS. Guys please help.

Http://m.wikihow.com/Create-an-iTunes-Account-Without-a-Credit-Card

Hope it really works.
I need 10 points
And still if your facing any probe regarding your iphone mail me at galaxyspace2020@gmail.com

10 POINTS

This is what I do:
I put in my credit card (you could put in a bank card, temporary visa giftcard from a store) when I first got my Apple account, however, now all I do is go and buy itunes giftcards from the store… That way when I want to buy something my credit card is never charged. Then when I'm starting to get low I just buy another giftcard. It's great. Also, if you want to buy things it's easier to do it from your iPhone because they won't ask you to reenter your credit card, whereas if you buy things from your computer they ask you to reenter it.

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