My iphone will not let me download  FREE apps until i verify card information, but when i do, it declines and i still cant download anything?

Can anyone help me?

Go to this Apple ID site.
https://appleid.apple.com/cgi-bin/WebObjects/MyAppleId.woa/
Click on Manage My Apple ID and sign in to your Apple ID.
Find that area that has your payment information.
Triple check to make sure everything is entered exactly correct.
Note that your billing address and name must match exactly the name on your credit card and the address to which your bill is sent.
If all these items are entered correctly and you still get that message contact your credit card company to make sure they are not blocking your use of the card on the iTunes Store.

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