So far, my girlfriend allows me to play with her bare tits, grab her bare ass inside the jeans, but I wanna go even further and finger her and what not (she doesn't let me come close to her pussy even over jeans, she did one date though and I got a good moan out of her) I wanna kiss her down to her tits but she doesn't let. btw she's a virgin, I'm her third kiss, first guy she trusts to touch her like that. should I whisper seductively while kissing what I'm gonna do next (kiss down to her bare tits) to turn her on or any other ideas? Sorry for the bad grammar.

so give me some steps please? If turning her on completely and teasing the hell out of her is the problem then mind sharing some steps?

some girls are harder then others. Especially virgins. You just have to hang out with her more and built more comfort. There has to be lots of push/pull.

Keep building the comfort and attraction, it will come.

How old is she?

I just ask because you should know that if she is 20 or older, then she's lying that she's a virgin. NOT because there aren't any virgins out there over 20. But the ones who are still virgins at 20 in our society are the ones who also wouldn't dare let you get as far as you have.

With this knowledge, know that that means she may just not be comfortable with you yet. Keep escalating, making sure that, despite protestations, you push the envelope a little bit every time you're with her.

Don't act weird or overly aggressive if she's not comfortable with you, but suggestively tease her. Don't grind your hand into her crotch or finger her yet, but do like you did before, and give light touches to her pussy, through her pants.

Always move forward, even if only by a little bit. Never stay at the same level.

_________________
Jazzy Jeff: "My love for you is like a river,
Like a summer breeze that makes my soul shiver,
One look from you is more precious than gold,
Let's grab some BBQ and go get busy!"