Default This Payment method has been declined

I'm'm trying to purchase an apps or game in Google play store i get the message says This Payment method has been declined ! i tried 2 different visa card and no result
i use that 2 card some where else like eBay and Amazon they work fine.. i called my bank department they said there is not any problem in there side.

then i went to buy Google gift card i redeem the code my balance shows as 20 but i also got the same massage as well when i try purchase by gift card.. This payment method has been declined !

plz help what should i do !