Got a iphone 4 3 days ago, set it all up and it crashed. Today I got a replacement from the store, but when I try and log in to my apple id so I can start downloading apps, it says that the security code of my credit card is invalid. Why is this happening

I got a new iphone 4 3 days ago. YAY! Got it all set up, downloaded some apps etc, and it kept crashing.
I took it back into the store and they replaced it. Today however, I tried to download some apps, and it keeps prompting me to log into my apple id. When I do, I enter my password etc... then I get to the part for payment, and using the same credit card I used for the first phone i input the exact info that worked for the first phone. It keeps telling me "SECURITY CODE IS INVALID" but I KNOW I am entering this number correctly.
Are you only allowed to use a credit card once? Has my second phone crashed? What gives?
Thank you for any help... I am new at this and not so good...

Launch iTunes. From the menu bar click Store / View My Account
Click: Edit Payment Information
Make sure you have the correct Security Code.
Then click: Done
And try resetting your Apple ID password. https://iforgot.apple.com/cgi-bin/WebObjects/DSiForgot.woa/wa

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Got a iphone 4 3 days ago, set it all up and it crashed. Today I got a replacement from the store, but when I try and log in to my apple id so I can start downloading apps, it says that the security code of my credit card is invalid. Why is this happening

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