Having trouble downloading Mavrick OS. Takes forever, like weeks, and tries to install before the download is finished.

OS will download about 3/4 of the way and then automatically try to download. When this happens I get an error message and loose my partial download.

Are you aware of any problem with a previous purchase ? If not then you could try contacting iTunes Support and see if they know why you are getting that message :http://www.apple.com/support/itunes/contact/ - click on Contact iTunes Store Support on the right-hand side of the page
If terms of the card not being accepted, if it's a debit card then I don't think that they are still accepted as a valid payment method - they are not listed on this page and there have been a number of posts recently about them being declined
If it is a credit card then is it registered to exactly the same name and address (including format and spacing etc) that you have on your iTunes account, it was issued by a bank in your country and you are currently in that country ? If it is then you could check with the card issuer to see if it's them that are declining it, and if not then try contacting iTunes support as above.

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