When I try to download an app, it says Verification Required?
I would start with Apple support - https://getsupport.apple.com

Choose billing support in the web page or see if there is a phone number to get human support. If you exhaust your banking cards, then you might need to contact your bank to ensure your card details are correct so you enter them correctly on Apple’s site. 

This thread explains how to edit AppleID information to match what your bank reports. Verification required