Q: Why do I keep getting the message to verify my cc and when I do I get another msg saying my card cannot be used with Itunes store?

Hi BT54,

Thanks for using Apple Support Communities. Based on what you stated, I'm not sure if this is causing the issue but it is a possible cause. I would recommend that you read this article, it may be able to help the issue.

Payment methods you can use in the iTunes Store, Mac App Store, App Store, and iBooks Store - Apple Support

If you create an account for a child under 13* in Family Sharing, you must use a credit card as the payment method. After you create the child’s Apple ID, however, you can change your payment method back to a debit card.

Cheers,

Mario

Due to the nature of your issue you may find more information by using another one of Apple's support resources - https://expresslane.apple.com/GetproductgroupList.action