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Credit Card application to Fitbit Charge 5 - not working

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I've added a credit card to my fitbit Charge 5 and get a "0" message when I try to use it in my wallet.  I've deleted the credit card and added it again. It's B of A, a bank supported by Fitbit. What does the "0" mean?  How do I get it to work?

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Have you tried updating it to the latest firmware ?

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I got the Fitbit last week so I assume it’s the latest firmware. 

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