HT203167 How do I re-install my music and apps that I paid for after I reset my phone???

My debit card has no money on it but I've already purchased music and apps why won't it let install the music and apps I paid for after I reset my iPhone??? I'm sure there is a simple solution to this I'm a new iPhone user so there are a lot of things I need to learn to use this phone properly!!! It is saying that my card is declined but I already paid for the things I want to install,it won't even let me install the free apps.

After you reset your iPhone, did you enter your Apple ID into it during setup?  The same Apple ID with which you made the purchases?  If so, you will be able to reinstall the apps without repurchasing them. 
When you go into the store and locate one of the apps you previously purchased, after a moment, the purchase price should be replaced with iCloud download button.  That indicates your Apple ID already purchased that app and you need only tap the cloud button to redownload and install it.
If you have done local backups to a laptop/computer, and you cable connect your iPhone to that laptop/computer, you can use the Apps tab on the device screen to manage the apps--reinstall them.
If you had data in the Apps, whether that is retained will depend on how the particular App stored the data.  If it is backed up iCloud, you will get the data back once you download the app and launch it (may take a few minutes).
EDIT:  Same applies to music you purchased (including free purchases, on both apps and music).

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