Thanks for the replies. I went through the 8 steps listed by bamnutsak. When i click accept it takes me to a phone number which i need to ring for verification. It's a UK number 0345 so can not connect from Thailand. My card, and phone has plenty of credit and i have used it recently. When i look up Google Play on my phone app it seems to think that a credit card is already added.
I will try the other steps suggested by bamnutsak and ring my bank AGAIN