Apple wallet not working

My Apple wallet had been working fine until one day when I tried to pay using it, and it said that it failed and the payment couldn’t be completed. So I opened my Apple wallet, and it said I had to re-enter my card information. I deleted my card and clicked add card. It said that I reached a max of 12 cards even though I have no cards in my wallet. My phone is updated to the latest iOS and I have shut down my phone many times. Any ideas as to why it won’t let me add a card and says I’ve reached my max when I have none?