Can't re-add card after device factory reset

I have an I2 SolTac which I periodically factory reset to clear unnecessary clutter like widgets/apps and start over with a fresh watch.

I had a working Revolut visa card ****1642 before the reset, now I can't re add it and Garmin Pay simply says:

There was an error retrieving the user verification methods. Please try again or call your bank to activate your card.

I tried resetting everything to no avail. As I stated above, this card was working perfectly half an hour ago. I just tried adding it to GPay and it registered immediately.

What the heck is going on?