I need help with downloading apps?

I got an iPad 2 today and I entered all my details in and also my bank details in, but then it's saying to me to enter 'security code' in? And I don't know what it is. I have realised that a lot of people are having this problem and it obviously needs to be sorted? Please help me?????

Thanks for your responses but when I go on app store and then on featured, I press 'free app' and then it says 'install app' and then I click on 'use existing apple id' - so then I enter my username and password, then all my bank details ans everything else, there all correct but then it comes up with... 'your payment method was declined, please enter another payment method' - all I want is FREE apps, no paid ones? Is there anyway I could get around this? - I have noticed a lot of people are having this problem HELPPPPP lol x

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    Yikes, there is a much better way to go about this that is probably within what you have already learned, but since you are a student and this is how you started, let's just concentrate on fixing what you got.
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