TS1702 Apple, Gimme the App!

Just bought a Macbook Air today (May 5th 2012).  I have been spending all evening getting used to this new system (I was using a 2008 MacBook Pro with 10.5.8 before this).  I have not transferred anything over from my old Mac to the new onle. 
I've bought a few apps from the Store without issue on OS X Lion (10.7.3), using my PayPal.  I'm very new with this "app" business though, so I may be missing something key with how to buy them.
I've been trying to buy the Keynote app (had the HORRID Office '08 on my old Mac so I wanted to try the new iWork software).  I bought Pages so far, no problem.  I'm also going to try and get Numbers. 
However, each time it asks for account verification, which I provide (why every time I try and buy something?  Haven't I just logged in?) and then click to buy, I get an error message (100), that the purchase cannot be processed and that I need to contact iTunes support.  Initially, it told me that "credit card purchases cannot be processed at this time, try to buy later, continue to browse the App Store, etc."
Suggestions?  Thanks.

Sorry this question is not for iOS, it is for Mac OS X.  My bad.  Please still answer it if anyone can.

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