I continue to have a billing issue that prevents me from putting a card in my account and consistantly causes purchase problems

There are a number of reasons a verification might be declined:

1. Insufficient balance or account in arrears
2. Account suspended for suspected fraud (not necessarily by you)
3. Error in card number
4. Wrong expiration date
5. Wrong security (CCV) code
6. Address in your iTunes account does not match exactly the billing address for the card
7. The card was not issued in the country of the iTunes store
8. You are under 18

If necessary, contact iTunes Support. Scroll to the bottom of the page in the 2nd link.

iTunes Support

iTunes Support – world wide

prolly number 8 bc his username is “Frustrated Teenager”