I have loaded a new card, system is telling me my payment information is not valid

Start here, see -> Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

👉 fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.