I don’t have a credit card but I have an iphone and want to download apps from itunes. Only the free iphone apps by the way so I don’t need to pay. But itunes doesn't allow you to create an account without credit cards. So here is a simple work around.
I wish apple would allow people who just want free apps to create an account with just name and other details.
I tried it and it worked fine for me. Now I can enjoy the free iphone apps.