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Error adding VISA credit card to Garmin Pay

I got a new credit card from a bank that supports Garmin Pay. When trying to add a card via Connect on my phone, I get a declined error.

I logged a ticket with the bank and they claim that I am getting declined because the expiry date is invalid.

The expiry date they get on their end is 20250000. No month.

What puzzles me is I select a month in the app, so I'm not sure what's going on here. Has anyone had this before? I have tried uninstalling and reinstalling the app.