Apple card unavailable

That's OK. It's been pulled anyway as has my summary that I added here in response to you. I'd like to give you the details (all confirmed by Goldman Sachs) but Apple will probably ban me from the forum (again). My suggestion is that you get the card and draw your own conclusions after you use it for a while.

https://discussions.apple.com/thread/250544111?page=1

Read the entire thread. After my original post, I discovered other security issues.

Make sure you are using the latest iOS update (double check for sure) and make sure your region is correct in your Apple ID and on your device.

I wish that I got that message. I have the card and, after realizing its issue (see my other post), I'll never use it.