I have an answer: Why payment declined in apple store

I know there's a lot of people having problems with apple store declining payments and I have been in that road. I also have called apple care to see if it's in their end and they told me I have to call my credit card company to see why it's declining. SO I DID! Here's is some of the possible causes that you all might not know about. Here's what happened to mine.
I was trying to purchase an app that is $9.99 and kept declining my card. Asked me to verify security code, address etc... I did and still a pop up method of payment declined.
Here's the answer from my bank. Any app that is over $5.00 is a suspect of fraud will put a hold on your payment. Hence, declined. The bank told me if I want to open the account specifically for Apple Store indefinitely? (meaning if I don't want any restriction amount, it will proceed). So, I said yes. So, they took off the Block.
Second thing you have to know is.... everytime you keep trying to buy the app and it is declining... Apple will charge you $1.00 everytime you try to keep accessing the app you are trying to download but keeps declining on you. Why didn't apple tell us about this? I don't have that answer and I'm about to make a complaint because the bank company don't have that access except for apple.
I hope this will enlighten anyones possible problem. I am sure this is not the only problem that's causing yours to decline.

They do not charge you.
It is an authorization hold. It will be reversed.
About payment card authorization holds - Support - Apple

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