Do you need to pAy money monthly because of an itune account?

Chaos

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I just got an ipod touch(I'm using it right now for yahoo answers.....it's awsome) and I realized that I need an itune account. I'm trying to get one and it said something about paying monthly and using a credit card. People told me to get a gift card, but I can't. My question is if you get free application do you still have to pay monthly . My other question is even if u don't use your account for a long time do u have to pay monthly pleased people. I need a good answer. I swear. I will give 10 PTs to the best answer. Please give alot of details explaining it
 
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