Apple ID: U.S. credit card in Dutch App Store

I know there's more of you out there in a similar situation.  I'm an American living in the Netherlands permanently.  I maintain my bank accounts in the U.S. including my credit cards.  I created an Apple ID for the Dutch store using the one Dutch credit card I had.  Apparently something has happened to that card because my last app payment didn't process so now it's asking me to enter new credit card info.  Now, the credit cards I have were issued from a U.S. bank (USAA) but I had to put my foreign address on them for billing.  I use these cards in many places over here but for some reason iTunes won't accept them.  In fact, when I tried to create a U.S. iTunes/App store account with my U.S. credit cards, it wouldn't let me...it pushed me to the Dutch one because of the Dutch billing address.
I really wish there could be one central International App Store, especially since Apple products are international. 
I'm looking for any suggestions here.  Maybe I've overlooked something in the setup of my accounts that would allow me to setup a U.S. iTunes account with a U.S. credit card that happens to have a foreign address.
Dale

You are required to provide credit card details to download apps be it free or paid.
Nothing will be deducted from your credit card if the app is free.
There will be a authorizing hold of US$1.00 to verify your account information. It will be credited back to your account later.

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