Buying apps on the iPhone 4?

Basically I put £10 of credit on my pay as you go iPhone 4 only to find out when I went to buy an app it goes directly through my iTunes. Is there a way to purchase apps using the credit on my phone? Or is there a way to put the credit on my phone on my iTunes account?

I don't think so only way to pay in the app store is the credit card.

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