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Credit card disappears from wallet on versa 2

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Have versa 2 for two years and paying with card was never a problem until the last month. Card works for a few transactions then dissappears from watch but not app.

I deleted card from app several times and added it back then  synced it back to phone but after a two transactions a white circle spins around the card on watch and a day later card is gone from the watch but not app.

I have even done factory reset on watch several times same thing happens.

What's wrong?

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