How can Use my Apple Music
My Music is not accepting my debit card
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Did you already try the troubleshooting mentioned in this related article?
If your payment method is declined in the App Store or iTunes Store
If so, and that did not solve your problem, use this link as a start, to contact the official Apple Support about that, only they can look into your personal settings to find the reason for that:
In the meantime you can also use Apple Gift cards to pay for Apple Music:
What you can buy with your Apple Gift Card or Apple Account balance - Apple Support