When i try to change my payment information on my apple id i get a message "your credit card information does not match your bank's records. please enter a U.S. credit card and matching billing address." why do i do?

when i try to change my payment information on my apple id i get a message "your credit card information does not match your bank's records. please enter a U.S. credit card and matching billing address." why do i do?

Please explain

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