Why wont iTunes accept my credit card details?

I keep typing in my credit card or debit card details, which I know are correct. Ive tried three different cards, and it keeps saying "Payment method declined". I know there is money in the account. Ideas?

Sounds like a case for the iTunes store support.
Go to http://www.apple.com/support/itunes/contact/ and click the blue link next to the green shopping bag. Follow the steps and send the iTunes store support en email explaining your situation. They should be able to look into it.
Good luck

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