I can’t download anything from the store he told something for my payment method

As they say in the ads, past performance is no guarantee of future results. See About payment card authorization holds from the App Store or iTunes Store - Apple Support. Perhaps your financial institution is blocking such holds as a security measure.

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See If your payment method is declined, or you have a billing issue in the App Store or iTunes Store - Apple Support.

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What happens when you try to download something, if you are getting an error message what does it say ?