Im having trouble downloading apps on my phone

I think you do.

Reasons your payment card may be declined

1.            Account suspended for suspected fraud.

2.            Address in your iTunes account does not match exactly the billing address for the card

3.            Error in credit card number

4.            Insufficient balance or you still owe money on a subscription

5.            The card was not issued in the country of the iTunes store

6.            Wrong expiration date

7.            Wrong security (CVV) code

8.            You are connected through a VPN provider that makes iTunes think you live elsewhere - uninstall VPN

9.            You live  in India

About billing for Apple subscriptions and media products in India – Apple Support (UK)

10.        You live in Russian Federation or use Russian banks or cards

Here is additional information from Apple if your payment method is declined.

If your payment method is declined in the App Store or iTunes Store - Apple Support

nique71 Said:

"Im having trouble downloading apps on my phone: Im having trouble downloading apps, however I'm not having issues with my payment method"

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For Financial Assistance, Contact Apple Store Support:

You need to contact Apple Support Directly. This is a User-to-User forum. We are all volunteers. So, as you may suspect, no one here has access to that information — and that is a good thing, BTW. That’s why for Financial Assistance, you need to contact Apple Support. They’ll see what’s going on and will run you through the fix.

Apple Contact Info:

• Contact Us - Choose Locations
• Proceed from there, as necessary
• Why the Wait: Phone calls are taking a bit to go through at the moment, due to lots of calls. With the Coronavirus Pandemic, many are at home at the moment, with much time on their hands to contact Apple. So, just stay on the line, and you will get through :)