You need a CC for itunes accounts and free app downloads now?
I'm no Apple fan by no means, but I do have to say their customer service is the opposite, incredible. My experiences with Genius or w/e they're called has been extremely satisfactory. That includes very helpful and knowledgeable support staff, getting a motherboard replaced twice and a free mag-power adapter even though the laptop was out of warranty. Oh, and I think free ipod headphones too somewhere in there.
I think I see the pick you're in though, I'm guessing you're afraid your daughter will download non-free apps/music if you put your CC on the account?