What am I doing wrong on the billing info?

Why all of a sudden when trying to download free apps it asks me to ck billing info first when info added in the beginning hasn't changed but now saying my cc security number is invalid after re-entering it.  So i dnter the first 4numbers plus the security 3 digit number then tells me billing processors are unable process info. So now what am I supposed to do next?

Are you signed in using your Apple ID (in iTunes), the one with $11.03 credit, when accessing the iTunes Store?

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