Hi Sunnyc3ntral,
A good first step is to ensure that the payment method you're attempting to add is supported in your region. The article Payment methods that you can use with your Apple ID outlines by country acceptable methods you can use.
Next, review the options at Add a payment method to your Apple ID and consider using a different method to add your payment method such as at the Apple ID website. Please also note that the billing address for the payment method must match the country or region that your Apple ID is presently configured for.
Should those steps not help, If your payment method is declined in the App Store or iTunes Store offers the following:
"If you still can't make a purchase
Regards.