ITunes and App store payment info verification issues

So I'm trying to download apps or music straight to my new upgraded iphone 3GS with the 4.0 software and it refuses to verify regardless of the fact I've entered the correct security code for the card. It says the information does not match my banks info and won't process. I've updated and reissued one click payment info on my apple ID and it refuses to process. I've purchased other items online with other websites without an issue using the card information and security code so I don't feel its the banks or the cards fault.
What can be done?

anyone?

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