iTune balance isn't used first...

When I purchase an album using traditional iTunes, my credit card was charged instead of using my iTunes balance. There is plenty of $ in the balance to cover the charge. I thought it was supposed to use the balance first - it didn't give me a choice - just charged my apple card. I then checked Apple Music and it also shows the same balance. I just want to use the balance up, but everything I try just charges my card!