GOT IT TO WORK!!!!
Did what Tom McCauley said (in another thread) he did and it worked for me F*CKING FINALLY!!!!
Went store.apple.com
Signed In, went to my billing info. Funny enough, i didn't have any card information in there, not even paypal even though that is the one i've been using.
Anyway, i put my normal debit card info and it went through with no problem.
Went back to itunes, tried to download a free app and it asked me to verify my card info (as it has been doing for the past week). When i was in there, i selected NONE and it finally accepted NONE, and voila, I was able to download free apps like I normally do WOOHOO!!!!
And now the good part, i entered a debit card info, another one, one i tried this week and kept declining and it ACCEPTED IT and i was able to buy the Calculator App i needed for work.
Will try to change country information and billing option, to see if it works but so far WORKING FOR ME....
Try that =]