I can't use iTunes balance for my in game purchases.

i tried to make an in game purchase and it keeps declining it. I have plenty of money in my iTunes account to cover it. Please help me.

If you have a credit card on your account then it has to be a valid card and accepted by iTunes. Have you tried removing the credit card from your account and seeing if you can then do the IAP via your account's balance : Change or remove your payment information from your iTunes Store account (Apple ID) - Apple Support

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