iCloud won’t except my Visa card (apple pay)

It says I should delete my perfectly good credit card & replace it with another!—- I can’t because I don’t have another.

Open the Wallet app on your iPhone or iPad.
Tap the credit card that you are having trouble with.
Tap the "More" button (it looks like three dots in a circle) in the top-right corner of the screen.
Tap "Card Details" (it looks like a credit card with an "i" in the bottom-right corner).
Scroll down and tap "Remove This Card".
Confirm that you want to remove the card by tapping "Remove" in the pop-up window.
Tap the "+" button in the top-right corner of the screen.
Tap "Continue".
Follow the steps on the screen to add your credit card again.
If your bank or card issuer requests additional information or verification, provide it to them to complete the process.

Hello, thank you for using Howly.
We can try to delete the card and get it back in, how does that sound to you?

Customer Replay

i never have had a problem with icloud in the past.
good - as long as I get it back

Top answer

Great!
Let's now try to get it back:

In the Wallet app, tap the Add button the add button
Tap Continue.
Follow the steps on the screen to add a new card.
Verify your information with your bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.

Customer Replay

Ok
It’s added !— Thankyou can I ask why I had to go through this?