How to get rid of billing info on iPhone 4 at the App Store

Every time I try to download an app on my iPhone 4 it keeps saying I need to fill out a billing info and it doesn't work it keeps saying my credit card is declined. I never purchase nothing I try turning my phone off plenty of times and it still doesn't work. I need help bad cause its getting on my nerves What can I do and what you think it could be?

The only thing I can think of is going to billing info in the iTunes Store and where it says payment method select 'None'.

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