It doesm't not take purchases, its either you owe, your bank is blocking, or you dont have the info in your appstore
Apple has been blocking purchases for a while now, requiring you to contact their support. They usually verify the device, making you select a prompt when they ask, then you have to wait 24-48 hours, whatever they say
I think it may be more prevalent for people who reset their devices/ID often but idk on that
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