Re: "My apps won’t download it says verification needed, then I put in my billing information it says card already in use and declines".
If needed: Find out how to pay an unpaid order.
If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support
or
What to do: If your payment method is declined in the App Store or iTunes Store - Apple Support
Else: Seems your card-provider is not verifying your "invalid" card for Apple purchases ?
If you have disputed a charge from Apple, you may need to ask your card-provider to allow payments to Apple again. Or, you may need to authorise your card-provider to allow international transactions using that card.?
You may want to check which payment methods Apple can accept in your country or region:
Payment methods that you can use with your Apple ID - Apple Support
More trouble-shooting:
If you're in India, click on this link to read an April 2022 notice 'About billing for Apple subscriptions and media products in India' --> About billing for Apple subscriptions and media products in India - Apple Support
Additional verification that may be required when making purchases in Europe -->
About billing and purchases in Europe - Apple Support