So this was a first and it is worrisome about whether Garmin is handling matter properly on the back end of things.
I recently had to fully reset one of my Garmin watches. When attempting to add my card back to it, my bank informed me they are not currently provisioning adding new cards via Garmin Pay. They said this might be fixed soon but the fact it is happening at all is a bad sign in my opinion. Garmin is supposed to be making this easier and more seamless after a few years of having this service. Instead it seems like it hasn't expanded the number of banks available and instead options might be shrinking.