Why does my app store account tell me that my payment method does not match my bank's records. my card is valid and works for iTunes but not the app store.

While trying to change my Credit Card info: The app store tells me that my payment method information does not match my bank records and to try again or enter a new payment method. My CC is valid and its the same CC ive had for a while. This CC info works for iTunes but is not being accepted for the App store.I have changed this info online but cannot change it on my iPhone. Can anyone tell me what i need to do?

Apple Store Customer Service at 1-800-676-2775 or visit online Help for more information.
To contact product and tech support: Contacting Apple for support and service - this includes
international calling numbers..
For Mac App Store: Apple - Support - Mac App Store.
For iTunes: Apple - Support - iTunes.

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When i try to change my payment information on my apple id i get a message "your credit card information does not match your bank's records. please enter a U.S. credit card and matching billing address." why do i do?

when i try to change my payment information on my apple id i get a message "your credit card information does not match your bank's records. please enter a U.S. credit card and matching billing address." why do i do?

Please explain

Your credit card does not match your bank's records

your credit card does not match your bank's records. appears at purchase in itunes store.
2 months with no solution on this. Nothing has changed with my bank at all. Yet apple was able to bill the same card for my mobile me acct. so the card does in fact work! I emailed and got what I already knew. see below, then my reply.
Dear Eric,
You can change your iTunes Store billing information at any time. When you update your credit card number or billing address through the iTunes Store, any equivalent information you might use with MobileMe, iPhoto, Aperture, or the Apple Store online is also updated.
To update your billing address or credit card number, follow these steps:
1) Make sure you're using the latest version of iTunes. It can be downloaded free of charge from the Apple website:
http://www.apple.com/itunes/download
Eric, installing the latest version of iTunes will not affect your library or any items in your account that you haven't downloaded.
2) Click this link: http://phobos.apple.com/accountSummary
iTunes will automatically launch and the sign-in dialog will appear.
3) If you are not already signed in, you will need to enter your iTunes Store account name and password and then click the Account Info button.
4) On your Apple Account Information page, click Edit Payment Information
Make the necessary changes. Your billing address should be exactly the same as the address on your credit card statement and with the United States Postal Service (click "Find a ZIP Code" at http://www.usps.com and follow the onscreen instructions). This is important, because even differences in punctuation, abbreviation, and capitalization can cause payment errors that might prevent you from using the iTunes Store.
5) When all of the information is up to date, click Done.
When you update your billing information, the iTunes Store places an authorization hold on your credit card to verify your account information. You might see this authorization request on your online statement. This is not an actual charge; it is simply a test to confirm that your credit card account is active and has credit available to accommodate transactions.
Authorization requests are automatically removed from your account by your financial institution. The amount of time it takes to remove authorization requests varies by financial institution. If you have any questions about the way your financial institution handles authorization requests, please contact their customer-service department.
Thank you for your time. If you have any other questions or concerns, regarding your iTunes Store account, Eric, please feel free to reply to this email. Have a great day.
Sincerely,
Timothy
iTunes Store Customer Support
http://www.apple.com/support/itunes/ww/
Please Note:I work Sunday 9:00 to 6:00 Tuesday and wednesday 9:00 to 6:00 Friday and Saturday 9:00 to 6:00 Central Standard Time
Thank you for allowing me the opportunity to assist you. You may receive an AppleCare survey email; any feedback you provide would be greatly appreciated.
My reply
I've read the support pages through and through and have gone through all of these steps in the past. Nothing on my end has changed. This card has been used for approx three years now, never to have been edited. As stated... In the midst of all of this difficulty, you were able to bill the same card for my mobile me subscription. Which should technically not gone through due to the supposed billing info not matching my bank's records! So quite simply, my card does work, this is something on your end, not my bank.
And I did however change the type case to match my statement to no avail. This never made a difference in the past, but I tried it regardless.
After attempting things for two months, I am growing tired of trying to spend my money on Apple. I will try one more suggestion if one is available. After that, I have had great success with the amazon store and may have to flip over to them. My time is way too valuable to be troubleshooting a problem I did not create.
any specific help would be appreciated (please do not copy and paste tips from the support pages... been there)
Eric

As a follow up to my last post, I thought I would offer you my customer service experience as I am hoping you can avoiding going through what I've been through and that this will save you some time.
I'm listing the discourse chronologically for your convenience:
Specific request: My credit card or billing information is not accepted
Details:
iTunes says my credit card information does not match my bank information and will not let me make purchases. I have updated my account information and I still cannot make purchases. I get the same message that my card does not match my bank's information- which it does.
Please help.
TrackID: 1--------------
Dear ----------,
Welcome to Apple iTunes Store Customer Support. My name is Snehashish.
I am sorry to hear that you haven't been able to make purchases on the iTunes Store with your credit card. I know this is frustrating, and I will try to provide as much information as I can to help you resolve it.
-----------, upon checking your account I find your credit card will be expired after this month. So you have to change it then. I suggest you to change it now or contact your credit card company as it is declined by iTunes.
The iTunes Store has been unable to verify an authorization from your credit card company. There are several possible reasons for this:
- Your credit card company's servers may have been busy. Trying again later may resolve the issue.
- Your card may not have been activated yet. If so, you will need to activate it.
- You may need to call your credit card company before the authorization is approved.
- You may need to ensure that you correctly located the credit card's security code. To see instructions for locating the security code, choose View My Account from the iTunes Store menu, sign in to your account, click Edit Payment Information, and then click the "What is this?" link next to the Security Code field.
- Your billing name or address does not match the address listed on your credit card statement. Any discrepancy in punctuation, abbreviation, or capitalization can cause errors, which might prevent you from purchasing from the iTunes Store. If you moved, or if your zip code changed recently, ask your credit card company to make sure its records are up to date and match exactly what you are entering as your billing information.
--------, please follow these steps to confirm or update your account information:
1) Go to the My Apple ID site at:
http://appleid.apple.com/
2) If the site is not displayed in your preferred language, click the Change Language link in the upper-right corner, type the name of your language in the field that appears, then click the Save button.
3) Click the "Manage your account" link.
4) Type your iTunes Store account name (which is your Apple ID) in the Apple ID field, type your password in the password field, then click the Sign In button.
5) Click "Addresses" in the left column.
6) Confirm or edit your information.
7) Click "Phone Numbers" on the left. Make sure the area codes and phone numbers are entered correctly in their respective fields.
8) Click Save Changes.
Once your information is updated, try placing an order on the iTunes Store again. If the iTunes Store still cannot obtain an authorization for your card, it means that your billing information is still incorrect, either with your credit card company or with its verification system, which may be handled by another company.
Fortunately, you may be able to make iTunes Store purchases with another payment method. For example, if PayPal accepts your credit card, you can use your PayPal account to buy from the iTunes Store. If you need more information about using PayPal on the iTunes Store, please let me know.
------, I hope this information is helpful. Thank you for your interest; I am pleased that you want to be an iTunes Store customer. Have a great day!
Sincerely,
Snehashish
iTunes Store Customer Support
Thank you for allowing me the opportunity to assist you. You may receive an AppleCare survey email; any feedback you provide would be greatly appreciated.
Follow-Up: 1----------------
Hello again,
I wanted to send a quick note to see if you are still experiencing any difficulties with the iTunes Store. Resolving your issue is important to me, so please don't hesitate to reply if you need any further assistance.
Sincerely,
Snehashish
iTunes Store Customer Support
Greetings Snehashish,
When I wrote my original ticket it was to address the issue of the fact I had already updated my credit card information and I was still receiving the error message of "my credit card not matching my bank information" in iTunes. Giving me instructions on how to update my account information was not helpful because I had already taken that step. So, no, my problem remains unresolved and I am unable to make any purchases in iTunes or update my iPhone.
Luckily, the item I was looking to purchase was available on Amazon digitally so I went ahead and bought it there without any problem whatsoever with my credit card- furthering the mystery and the enigma that is iTunes rejection of my credit card.
Please send the next step to resolve my issue or please forward my ticket to someone who can resolve this for me.
Thank you,
Dear ------------,
Welcome back to Apple iTunes Store Customer Support. This is Snehashish again.
I am glad to hear that your credit card works on another website. Some of our customer resolves this type of issue by removing credit card from their account, buy a free app and then re-add the credit card to account. I suggest you to try that.
---------, please delete the credit card information from your account:
1) Open iTunes and sign in to the iTunes Store.
2) Select "View My Account" from the Store menu.
3) Enter your password and click the View Account button.
4) Click the Edit Payment Information button.
5) Select "None" as the payment type.
6) Click the Done button at the bottom of the page.
After you select the "None" option, please attempt to download a free App from iTunes Store. Then sign out from your account and sign in back and re-add your credit card information.
--------, then, please follow these steps to confirm or update your account's information:
1) Go to the My Apple ID site at:
http://appleid.apple.com/
2) If the site is not displayed in your preferred language, click the Change Language link in the upper-right corner, type the name of your language in the field that appears, then click the Save button.
3) Click the "Manage your account" link.
4) Type your iTunes Store account name (which is your Apple ID) in the Apple ID field, type your password in the password field, then click the Sign In button.
5) Click "Addresses" in the left column.
6) Confirm or edit your information.
7) Click "Phone Numbers" on the left. Make sure the area codes and phone numbers are entered correctly in their respective fields.
8) Click Save Changes.
Once your information is updated, try placing an order on the iTunes Store again.
If you have further questions or concerns, please feel free to contact me again. Have a nice day, ----------!
Hello again Snehashish,
My address is confirmed and matches my bank account. I followed the steps as you directed with deleting my information downloading the free application and then re-entering my payment information. I continue get the error message that my credit card information does not match my bank's records. I have as of today called the bank and confirmed twice that my banking address is correct. The error is not happening on the banking side of the equation.
Please send the next step to resolve my issue or please forward my ticket to someone who can resolve this for me.
Thank you very much,
Dear -------,
Welcome back to Apple iTunes Store Customer Support. This is Snehashish again.
Thank you for your response. Upon reviewing your account I find you removed that credit card successfully. I suggest you to update that information to start purchasing. You can also use gift card as well.
--------, you can change your iTunes Store billing information at any time. When you update your credit card number or billing address through the iTunes Store, any equivalent information you might use with MobileMe, iPhoto, Aperture, or the Apple Store online is also updated.
To update your billing address or credit card number, follow these steps:
1) Make sure you're using the latest version of iTunes. It can be downloaded free of charge from the Apple website:
http://www.apple.com/itunes/download
Note: Installing the latest version of iTunes will not affect your library or any items in your account that you haven't downloaded.
2) Click this link: <link to launch itunes>
iTunes will automatically launch and the sign-in dialog will appear.
3) If you are not already signed in, you will need to enter your iTunes Store account name and password and then click the Account Info button.
4) On your Apple Account Information page, click Edit Payment Information
Make the necessary changes. Your billing address should be exactly the same as the address on your credit card statement and with the United States Postal Service (click "Find a ZIP Code" at http://www.usps.com and follow the onscreen instructions). This is important, because even differences in punctuation, abbreviation, and capitalization can cause payment errors that might prevent you from using the iTunes Store.
5) When all of the information is up to date, click Done.
When you update your billing information, the iTunes Store places an authorization hold on your credit card to verify your account information. You might see this authorization request on your online statement. This is not an actual charge; it is simply a test to confirm that your credit card account is active and has credit available to accommodate transactions.
Authorization requests are automatically removed from your account by your financial institution. The amount of time it takes to remove authorization requests varies by financial institution. If you have any questions about the way your financial institution handles authorization requests, please contact their customer-service department.
---------, if you have further questions or concerns, please feel free to contact me again. Have a nice day!
Despite already having the current version of iTunes, I re-downloaded the program and installed it on my computer. I logged into the link you sent me. I entered in my banking (again and without mistake) information exactly as it is on my billing information. I have now entered my credit card information correctly on iTunes repeatedly- it has not deviated nor changed and there has never been a mistake in my data entry. I have used this credit card at other locations and online stores without error and my banking and credit card information is correct.
I entered a credit card I DO NOT want to use in conjunction with my iTunes account and it was accepted without incident or error message. The problem is that the card I do want to use, that I NEED to use to make purchases on iTunes is not accepted. Both cards are issued through the same bank- one is debit and one is credit and they both link to the same bank account with the same home address. The debit card is being rejected and the credit card is accepted. My problem is not my address nor the account number as both have been entered correctly multiple times. iTunes is rejecting my particular card even though it is working and matches my bank information. This is the card I have always used to make purchases on iTunes and this error started when my old card expired and I attempted to update my account.
Every time I re-enter my credit card and try to make a purchase and I always get the following message:
"There are errors or omissions in the information. Please correct the indicated items: Your credit card does not match your bank's records. Please enter a US credit card and a matching billing address."
I have reset, re-downloaded, and re-entered everything on my end multiple times resulting in the same error from iTunes. I want to know what is happening with my account. If you do not have a solution then please escalate this ticket and please put me in contact with someone who can help me.
Thank you for your time,
I found my solution in the Apple Support Community. It had nothing to do with my information being incorrect. I do not require your assistance any longer.
My issue resolution was actual very simple and came from this page. iTunes has a bug where it will not accept your information but if you add your credit card under you account in the Apple Store and CONFIRM then it will appear in your iTunes account automatically. I could have saved hours of email, calls to the bank and stupid angst if I had looked this up instead of TRYING to use Apple Customer Support. I've learned my lesson. I just want you to know that iTunes is bugged and broken in this respect and no matter how many times you enter your information IT DOESN'T WORK. I hope this helps someone else.
Apple please tell your customer support people how to actually help instead of having them paste in worthless form letters on how to use a credit card with iTunes. Obviously it iTunes that is broken.
PLEASE FIX.

Your credit card information does not match your bank's records

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Check out the article below to troubleshoot issues with adding the credit card to your iTunes. You may just need to remove all card accounts and set it to None and then try adding the account again.
iTunes Store: My credit card's security code or zip code does not match my bank's records
http://support.apple.com/kb/ts1646
Regards,
-Norm G.

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Why does my app store account tell me that my payment method does not match my bank's records. my card is valid and works for iTunes but not the app store.

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