Problem verifying my credit card for Apple Wallet/Pay.

I am trying to set up Apple Wallet so that I have easy access to tickets I have purchased (not through Apple pay). Apparently I need to have a verified credit card on the Apple Wallet/Pay site in order to set up Wallet. I have scanned a credit card which is the card that my husband and I use. But when I try to verify that credit card, it says that it cannot be verified because the "primary user" has to log in on my phone and do the verification. Apparently my husband is considered the "primary user" although I have my own card in my same, and we are both listed as users on the bank's records.

My husband does not have an iphone or an apple ID and password. He does not want to get those just so that I can use Apple Wallet on my phone. I tried to go through our bank, which issues the credit card, but their website just sent me back to the same Apple Pay page saying it cannot verify the card without the primary user's log in. So how do I verify our joint credit card on my iphone so that I can set up apple wallet and put tickets in there?