So sorry, I understand this can definitely be frustrating.
So if your payment method is declining in the iTunes and App Store : https://support.apple.com/en-us/HT203005
I would check your purchase history and verify that there isn't any pending transactions that need to be paid for.
Sometimes if you owe something, you may not have that amount on the card to cover it and plus what you are trying to purchase.
You may need to update your payment method : https://support.apple.com/en-gb/HT201266
Check Purchase history : https://support.apple.com/en-us/HT204088
Hope this helps