Im trying to download a free app from the app store..

im trying to download a free app from the app store.. but it asks me to sign in then comes up with 'verify your payment details' which i put in all my details, then it said its been declined, but the info is all correct and i havnt bought anything from the app store.. i dont get it.. how can i find out if theres an outstanding payment on my account which im pretty sure i never downloaded anything that needed paying for
................ PLEASE HELP.. TIA. XX

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