I've just upgraded from 3GS to Iphone 4, payment meth declined??

Hi
I've just upgraded from a 3GS to an iPhone 4. I succesfully transfered everything. A few apps needed updates, no problem I thought.
How wrong was I??! Its says I need to authorise my account as its been accesed from a different device, fair enough, I entered my details & it says my payment method has been declined. So I tried another account, different card etc same problem! I have money in both accounts, & Im not trying to purchase anything!!
This is doing my head in, apps need updates & I was fancying a few new ones but I cant get any. Can anyone help?

Welcome to the Apple community.
Are the photos that you are referring to part of a camera roll, photo stream or are they simply photos that you have synced from your computer via iTunes.

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