For some reason over the past two weeks any time I tried to download an app from iTunes I keep getting an error message which says "unable to be downloaded try again later.

Hello, Over the last few weeks I have been unable to download any new applications to my iPhone five. Every time it pops up with an error message that says "cannot download at this time try again later." I don't know if I have accidentally reset something differently or just what the problem is. We had to get bank cards as a result of the "target" security breach, however our bank shows that iTunes has "pinged" our account so I know that that part of it is working. I do not understand how the cloud where perhaps it has something to do with a conflict there.
I am bordering on the edge of real frustration can anyone please help? Kenny V.

Hi, Kenny. 
Thank you for visiting Apple Support Communities. 
There are a couple things that I would recommend trying.  Try closing all open applications and power cycle the device.  Next, go through the section labeled Troubleshoot issues on an iPhone, iPad, or iPod touch in the second article below.  If the issue persists, try completely signing out of the iTunes Store on the iOS device and sign back in.  Be sure to test downloading an application after each step. 
iOS: Force an app to close
http://support.apple.com/kb/ht5137
Can't connect to the iTunes Store
http://support.apple.com/kb/ts1368
iOS: Changing the signed-in iTunes Store Apple ID account
http://support.apple.com/kb/ht1311
Cheers,
Jason H. 

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