When I try to download an app, the billing settings appears and when I type in my billing information it tells me my payment method was declined.

I'm trying to download a FREE app, and when I do, it:
1. Tells me to sign in (what it usually does)
2. Takes me to Account Settings [Payment Method], and in red letters it reads: There's a billing problem with a previous purchase. Please update your payment method.
So I type in everything correctly, and I make sure over and over again (and I've retried the whole process multiple times). Then it stays on the same page and in red letters read:
Your payment method was declined.
Please enter another payment method.
I check my debit card account and it is fine and it has money in it, and i've been using that same debit card for my apple account for a while now.

Either add a payment method that iTunes accept or contact iTunes about using the method that you think is valid.
Apple - Support - iTunes - Contact Us

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(96048)

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Tap iTunes Store, App Store, or iBooks Store.
At the bottom of the Featured page, tap Sign In.
If you're already signed in, skip to step 5.
Tap Use Existing Apple ID.
Enter your Apple ID and password and tap OK.
Tap your Apple ID.
Tap View Apple ID or View Account.
Tap Country/Region.
Tap Change Country or Region.
Tap the Store menu and tap your country.
Tap Next.
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When I try to download an app, the billing settings appears and when I type in my billing information it tells me my payment method was declined.

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