Unable to download application from app store

I had been using iPhone for couple years now. With my new iPhone 5, I am now experiencing an issue with the App Store applications. This is the first time it happen to me.
Issue: when I try to download apps from App Store, iPhone will have a pop up message saying "unable to download application" with popup buttons of "done" or "retry". I did some research and sadly I am not the first person with this issue. So I had tried other solutions from older posts ( like hard reset, change time, login logout, etc...) and I'm not getting anywhere.
Question: Does anyone out there has a solid answer for this issue?
Thanks.

Is there a debit card associated with your iTunes account - debit cards
are no longer accepted for payment.
Is there an outstanding balance due on your account? You must resolve
that before downloading anything, even free apps.

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