App Store won't accept my visa debit card?

I have an iPhone 4, and I recently set up an iTunes account on my phone. When it told me I had to assign a form of payment, I gave it the information for my visa debit card. It accepted and allowed me to download several apps, two or three of them cost money. But now when I'm trying to download a FREE app, it won't let me and says my form of payment is declined. Please help! How do I either fix this or get around it?

I too have a visa debit and iPhone4 and have used it on my account w/o any issues ever. Perhaps your expiration date on the card is close or has expired?

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