Problem trying to update to iPhone OS 3.1.3 and issues with paid apps

Hi,
I bought my iPhone 3GS when my old dumbphone died and have thouroughly enjoyed the experience. I've been having a couple of minor issues which I've been wondering about of late:
1) I know the 3.1.3 update came out some time ago, but I sync my iPhone and it won't ever update. I tried to manually do it (i.e. pressing the button that says "Check for update" in iTunes->iPhone but it just says "3.1.2 is current". At first I thought it was something to do with the apps because around the time the update came out an error message appeared when I synced that said something about the apps not being able to be installed. I was perplexed because my iPhone had all its apps working, so I thought maybe that's why it won't update and clicked on "More Information". I followed the instructions to save all the apps in my computer, then deauthorize and reauthorize my computer and sync my iPhone. This solved the error message issue, but it still won't update. So, is it something with where I live (Puerto Rico)? I want the update, but I just can't get it.
2) Whenever I try to buy an app whether it's thru the app store on the iPhone or on iTunes, I can't because apparently it won't let me use my debit card. It's a Visa debit card and I have used it for all my internet purchases over the last year and it's always worked. I contacted a support person at Apple but all they could tell me was that the bank was for some reason not allowing them to access the funds, and that I should just buy a gift card and use that. Anybody else have this kind of problem?
Thanks!

Well? Does anyone know what I can do to upgrade to 3.1.3???

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