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I've changed credit cards on my iTunes account 3 times.
I started with an iPhone 3 on the Pc.
I've formatted twice and recently built a new PC and the family now has 2-3's, 1-4, 2-touch, and 2-pads and have never had a problem accessing any of my apps.
Once you buy them they are linked to the iTunes account, not the card.
Whatever your problem is, it isn't apple...
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