I can not down load any apps or update apps that i have on my phone!!!

You've got a billing issue with the Apple Store. Try looking at this article for additional support (update it for your country by clicking the little country icon at the bottom right of the page): If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store - Apple Sup…

If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store - https://support.apple.com/HT203005 - various reasons why payment method is declined.

iTunes [Store] Support - Use this form for assistance with account and billing, code redemption, or purchase questions - https://ssl.apple.com/emea/support/itunes/contact.html