For some godforsaken reason, Apple refuses only now to not accept my credit card information. Could use some help.

I have been a proud iPhone 4S user for a year this coming August. I also have been using the same credit card on it this entire time. It has had some minor complications because of my infatuation with the power of music and photo editing, but those were easy fixes with just a simple addition to my balance.
Now, its been FOUR days since I could buy ANYTHING on ANY app. I already called my card company and even THEY had no earthly clue why my perfectly functioning card, with money on it, won't work. They even reset my card just as a try and STILL my problem persists.
I have been scrolling through support for about an hour trying to see if it's just a store problem, but no one else is having the same problem.
So. Is anyone up to the challenge?
                    Sincerely,
                         The Frustrated Female

Go to https://expresslane.apple.com
Choose 'iTunes', then 'iTunes Store'.
A new page will open.
Choose 'Purchases, Billing & Redemption', then the most appropriate sub-category, usually 'Apple ID account billing'.

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