All forms of payment are declined since 5.1 update

I've had nothing but problems since updating to 5.1; verify payment message keeps popping up (although that seems to have stopped in the last day or so), Hulu Plus only working over WiFi (thankfully it was just a trail month, already canceled the service because my WiFi is not reliable enough for HD streaming) and now this new issue that is preventing me from renting/buying any movies or TV shows.
When ever I try and purchase a movie or TV show it says my credit card has been declined. Problem is, I can still purchase apps, songs, movies and shows from my iPad, iPhone and PC. I only get the declined message on my Apple TV. I've tried 2 different credit cards and get the same declined message on my ATV, but the both work on every other device I have. I've even tried setting up Paypal; again using Paypal works on all my devices except the ATV, only the message is different when using Paypal. Instead of saying it is declined the message says that the "iTunes Store is unable to complete purchases at this time."
I don't know what to do, I've tried restarting, restoring, signing in/out, 3 different forms of payment and nothing works; I can't make purchases from my ATV. This all started with the last update, I've never had an update from Apple screw up a device this much. The only thing I haven't tried is throwing it through a window but, I'm pretty sure that will not fix the problem.
Please, does anyone have any idea of something else I can try? I know I can just purchase the movies or shows on my phone, iPad or PC but, that defeats the whole purpose of being able to do it through the Apple TV. I wish I could revert back to 5.0.2, had no issues except for the occasional sudden reboot before 5.1.

I just noticed the same problem on my Apple TV...never had this problem bf but now I've seen this I realize it started after the update here too....Apple seems to be more of a hassle these days than not....I thought updates were supposed to fix problems not create them but it seems most updates the past year only create issues...sorry I don't have an answer for you and I'm just as annoyed...it's an expensive product to not be able to use for what I use it for mostly...Get off your rear apple and start making our lives easier or I'll go another route when buying products bc I can't deal with these constant issues

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