Hello linette168,
Welcome to Apple Support Communities!
We see you viewed the Apple Support page for If a message says 'Your account has been disabled in the App Store and iTunes' - Apple Support
If you're not seeing that error but your payment is still being declined, you'll want to verify your payment info is correct.
This Apple Support page has the full steps to take for this exact issue: If your payment method is declined in the App Store or iTunes Store - Apple Support
"If a payment method can’t be charged
- Use your device to check your payment information. You might see red text that explains why the payment method can't be charged.
- If your card was declined, add a new payment method or update your payment information. You can add multiple payment methods to your Apple ID.
- Your payment method will be charged for the unpaid balance. Then you can make other purchases and update your apps, including free apps."
Please let us know if you have further questions.
Cheers!