New seller account problems

Hello guys, im going to try keep this short and sweet, apologies in advance.

So im new to the seller programme, iv done various validation for my accounts, but struggling to add my first product, its saying there is a problem saying

You’re currently unable to add or edit listings because either the credit card on file is invalid or the credit card is in the process of validating, which could take up to 24 hours. Please ensure that you have a valid credit card uploaded in Account Settings.

now i haven’t actually used a credit card, i set up a business bank account for my amazon, i read a few posts from a a year or 2 back saying a debit card is fine to use i didn’t know if it was just amazons wording the account has been verifiying for over 24 hours, they also took money for all the different EU Stores and haven’t deposited the money back .

wondering if anyone else has had this problem recently and how to over come it.

any info would be appreciated