Purchasing Apps problem, please help!!

Hey,
I just have a quick question. I got a new iphone4 yesterday, switched over from a blackberry and am trying to figure this out. Anyways, I haven't synced it to the itunes in my computer or anything yet, but when I went to the app store on my iphone to purchase an app, it asked me to verify the information for my account. I re-entered every required field properly, credit card number, security number, address, everything was right, but it came back saying "declined" and asked me to verify it again. I never carry balances on my credit cards, they are always paid in full, so a $0.99 app should not be getting declined...
Does anyone have any insight to this? I'm hoping it's not a simple "just sync it to your computer first and it will work," solution because well, then it will all but confirm pure stupidity on my behalf. Maybe I'm just being impatient with all the excitement of the new phone.
Anyways, if you can help me, please do!
Thank you

Your itunes account details are in fact synced to your phone. So, launch itunes on your computer, make sure you're running the current version 10.0(check for updates!). Make sure you're signed in using your account & agree to any new terms & conditions. Buy any free app using itunes on your computer. Assuming that goes OK, connect your phone & hit the sync button. Make sure that if you have any contacts on your phone that you have at least one entry in whatever supported application you use on your computer. This will generate a merge or replace prompt if you select to sync contacts under the info tab.

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