Want to make an apple ID but the visa didn't work! Please help!

I come from Indonesia. This is my first time using apple(ipad) and I want to make an apple ID but I tried more than twice and but the visa didn't work well, and I feel disappointed and the system confused me, and why do we need to submit our visa or stuff, in fact that we rather
use free apps to download? And if it is a problem between the bank and apple itself so what can I do Now? Anyone knows how to solve my problem, please help me, I really appreciate all your suggestions. Just contact me through my email **** Thank you.
<Personal Information Edited By Host>

You are required to provide credit card details to download apps be it free or paid.
Nothing will be deducted from your credit card if the app is free.
There will be a authorizing hold of US$1.00 to verify your account information. It will be credited back to your account later.

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