There are payment methods, including some debit cards, that cannot be used to pre-authorize automatic payment to place a bid or make an offer, even though they are accepted at Checkout, since the requirements are different. Your options are to find a listing for the item that doesn't require you to pre-authorize (there is no way to add or edit a payment method on the bidding/offer popup), or find a Buy It Now for the item, or use a payment method that is accepted (try PayPal with a balance) and for an auction you have 1 hour after you win to checkout manually using the method/card you want to use to override the automatic payment.
