When you reset your settings none of your personal stuffs like contacts, photos or even songs nothing will get lost it only changes your phone to factory settings. But befor doing restore pls try like this.
1. Connect your iphone,ipad or ipod with itunes through you pc.
2. Click Store --- View my account- log in
3. Update your bank details and all other personal details properly specially your bank card details should be match with your home adress. Dont worry untill purchasing anything you wont get charge its just registering your card details.
4.Scroll down and on Settings you can see "Reset all warnings for buying and download." Please press RESET.
And wait for this process to get done after that sync your iphone, ipad or ipod again through itunes and disconnect it from the pc.