I've had to owe Apple money when I had no money on my card and now that I have money on my Visa Debit then it still won't go through and it won't let me download anything from my iTunes. Can I assist some help please?

hi,
So, basically... I had to owe Apple money when I had no money on my card but now I've got money on my card and it won't allow me to pay off what I need to and I'm still unable to even download apps, songs or anything and it's worrying me.
Can someone help please?

If you can't get the password correct, you CANNOT restore from that backup.
However, if you've been using your phone as recommended by Apple, there should be minimal data loss.
Your iTunes library is on your computer, so you can synch all your apps, music, movies, ringtones, etc, on to your new phone.
Similarly, contacts should be synched to Address Book, Outlook, or a cloud service for you to easily synch back to your new phone.
Pictures taken from your old phone and not synched to your computer are lost, but you would have been synching those photos to your computer frequently as recommended.  Other photos that you synch TO your iPhone are still on your computer.
You won't be able to get text messages back.

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