HT2534 every time i try and download an app put my card details in etc in keeps says error couldnt take payment but everything is right. am not sure if i needed to do anything before hand? i made an apple id to please help

i have just got the iphone 4s and made an apple id, trying to down load apps and it wont let me keeps saying payment failed but everything is corect, not sure if i needed to do anything before hand ? many thanks

http://support.apple.com/kb/TS1646.

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