Why does it not accept my card?

My Apple ID automatically logged out and said there is a billing problem with my previous purchase when I have money in my account so I tried to change my payment method with two separate cards and neither worked it came up with the message your payment method is not available in this store. Please enter a new payment. All the information has been entered correctly and the cards are definitely valid one us a credit card and one is a debit card I have no idea what to do and it's frustrating because I cannot download or update anything. :( :(
Please help me :(

http://www.apple.com/support/itunes/contact/

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    From: [email protected]
    To: [email protected]
    Subject: why does lightroom not display photos ?
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