Iphone 3GS not syncing to Itunes and credit card declining with funds

I've been researching this for 2 months now and I know there are many with the same issue(s). Has there been a solution to this yet?
Issues:
-credit card declining with sufficient funds available
-Itunes does not recognize the iphone
-unable to purchase songs
-when there has been a new release or update, my iphone will all of a sudden sync.
Thanks for any assistance or pointers.

Hello Paul....
Hmm. My phone had a crack in the screen and got a bit wet in my bag when a drink leaked. It didn't turn on for a few days but then it worked again despite the fact the LED screen was a bit damaged but it was locked on the Emergency Calls only screen.
Anyway, today I did some trouble shooting and I was successful in connecting the iPhone with iTunes and selected "restore".
This meant iTunes did export software and I could then see the little progress bar active on my iphone...
Now my iPhone seems to be unlocked because it is not in the emergency screen anymore but it is asking my to select a language and then a country and then I cannot get any further....
In Devices in iTunes it says.... "There is a problem with your iPhone, please visit the Service Answer Centre."
Do you think I can revive it?
Regardless, I have good news! I found my lost iPhone 4s so I am a really happy bunny.
It would still be cool to the 3Gs working as I use it for my iPod.

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Your list of purchases is available if you log into your account in iTunes on your computer. You can also re-download apps for free (though you will have to find them yourself in the app store, iTunes won't find them for you) : http://support.apple.com/kb/HT2519

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Hey there Kellee,
It sounds like the device drivers for your iPhone are working in Windows, but the phone is not showing in iTunes. You should be able to get that showing again with the steps in this article:
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http://support.apple.com/kb/ts1538
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Check that you have the latest version of iTunes installed on your computer. In iTunes, select "Check for updates" in the Help menu.
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Verify that the 30-pin to USB cable or Lightning Connector to USB cable is free of debris and not damaged. If another cable is available, test with that cable instead.
USB cables that are bundled with third-party products or accessories might support only charging those products (and not transmitting data) or they might work only with the product with which they were sold. Using one of these cables to sync could cause issues. If you are using a third-party case, such as an extended battery pack, try removing the case and connecting the Apple-supplied USB cable directly to your device.
3. Verify that Apple Mobile Device Support is installed
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Windows XP: Click Start and choose Control Panel. Open the "Add or Remove Programs" control panel and verify that Apple Mobile Device Support is visible in the list of currently installed programs.
Windows Vista and Windows 7: Click Start and choose Control Panel. Click "Uninstall a program" (or if using Windows Vista's Classic View of the Control Panel, click "Programs and Features"). Verify that Apple Mobile Device Support is visible in the list of currently installed programs.
Windows 8: Move the cursor to the upper right corner, click the magnifying glass, type Control Panel,and press Return. Click "Uninstall a program". Verify that Apple Mobile Device Support is visible in the list of currently installed programs.
If Apple Mobile Device Support is not listed, remove iTunes, QuickTime, Apple Software Update, Apple Application Support, and then reinstall iTunes. Follow the steps appropriate for your Windows operating system below:
Reinstall iTunes for Windows XP
Reinstall iTunes for Windows Vista, Windows 7, or Windows 8
If after reinstalling iTunes Apple Mobile Device Support is still not installed, follow steps in Trouble installing iTunes or QuickTime for Windows.
Thank you for using Apple Support Communities.
Regards,
Sterling

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http://support.apple.com/kb/HT1212
Regards,
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Disabled
Place the iOS device in Recovery Mode and then connect to your computer and restore via iTunes. The iPod will be erased.
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