When I try to use my credit or debit card for Apple ID . It says Your payment method was declined . When I ask my bank they say apple doesn't have ties with MasterCard or visa ? So what should I do now?

Help Mae I can't purchase anything

Contact iTunes support & see what's going on:
http://www.apple.com/support/itunes/
No one here can help you, as there is no one from Apple here.

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