I've had that problem and Steam told me my credit card had been blocked by my provider. I called the provider and they said everything was in good standing. I found out that Steam had blocked purchases on my account because I had bought an enormous amount of games in just a couple days because of the daily sales they were doing. If you've been buying a lot you might want to try asking Steam to unblock your account because you were actually the one making the purchases.
I had to get mine cleared by Steam because my credit card is based out of another country. Just contact Steam and it should work out with a day or two.
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