Cannot download apps

Try a different card, or see if you get the 'none' option so that you can just remove it : Change, add, or remove Apple ID payment methods - Apple Support

If you aren't getting the 'none' option cancel all subscriptions : If you can't remove your last payment method or use no payment method with your Apple ID - Apple Support

what if all of the credit cards still get declined, even if theres money in the credit card and what if there isnt a none option?