When i try to rent movies from itunes the apple tv tells me to go to the itunes store for credit card authentication

I've logged into the itunes store and applied a different credit card.  I've updated the software on my Apple TV and even turned it off and back on by unplugging it.  Twice, I have either not rented or rented from a different location.  How can I fix this and how can I test it without renting something that I don't need right now?

If you look back at my post I said make sure the security code is entered. If you have then great, but that is the first thing that causes issue in regards to verification.

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