It keeps saying my card is unavailable when I'm trying to download something even if it's free. And I have money on my card!!

On my iTunes every time I go to click  on download even if it's free it asks me to sign in. Which is normal then it asks for me to verify payment. So when I click that I go in and have to retype the 3 numbers on the back of my Visa card. Every time I click continue it tells me that I need to use a different card. Even though I've been using the same card and it has money on it. I've never had a problem until now. What can I do to fix it??

If you have an existing ID, & you don't want to use a credit card, you'll have to redeem an iTunes gift card. If you don't want to do that, you'll have to create a new ID by following the directions here, EXACTLY:
http://support.apple.com/kb/ht2534

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