Hey @Joeybagadonutz -- I've copied the instructions below, and here is the link to the help article.
If you enter an incorrect PIN code 10 times, you're prompted to unlock your Fitbit device with your paired phone.
To unlock your device with your phone:
> your profile picture > your device image.
Note that after you reset your PIN code, you must add your cards to Fitbit Pay as if you were setting it up for the first time.
Scott | Baltimore MD
Charge 6; Inspire 3; Luxe; iPhone 13 Pro