I have an iPhone 4 and I have a credit card that's on file but it's not mines how can I put mines up there but when ever I do put my information in there telling me that declined try another credit card

Any help please

It means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. There are a number of reasons the charge or verification might be declined:
Insufficient balance or account in arrears
Account suspended for suspected fraud (not necessarily by you)
Error in card number
Wrong expiration date
Wrong CCV code
Address in your iTunes account does not match exactly the billing address for the card
The card was not issued in the country of the iTunes store

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