Apple Wallet: Failed to re-add credit cards after "Reset All Settings".

Hello,

Note: This page was double-checked :If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support.

When I returned from overseas, I thought it'd be a great idea to reset my iPhone settings to clear out e-sims and such.

Now, I'm not able to re-add any of my credit cards. I get the "agree" menu then it says "Contact your bank," which I did and they assured me that they deleted all cards associated with my Apple Pay, but the issue seems persistent.

The problem is occurring with two different cards from two different banks.

Model: 16 Pro Max

IOS version: 18.5

I checked the Region, country-supported, set faceID , and updated IOS, and of course contacted my bank.

Please advise.