Why cant i down load my free apps it says payment method decline

why cant i down load free apps it says payment method decline

iTunes uses your payment method to ensure you are who you say you are and to ensure you have a way to handle in-app purchases if necessary. If you do not have a payment method in your iTunes account, then you need to update that. If you have payment method there and it is refused, it could be the bank that is refusing the way that iTunes and other merchants will put a temporary charge on the card to ensure it is valid.

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