Apple Card Invite Issue

I submitted my Apple ID which is my email to Notify Me a couple days ago, and I just received an e-mail from Apple with the subject line "Your invite to Apple Card is waiting."

I thought it was the invite but this was the body of the email:

"Here’s your chance to get early access to Apple Card.

You wanted to be one of the first to get Apple Card — a new kind of credit card created by Apple, not a bank. Good news: Here’s your chance to experience Apple Card before everybody else, so you can help us get ready for the public launch. Your early access invitation is waiting, but we need your Apple ID to send it. The email address you provided does not match an Apple ID signed in to iCloud. Just complete a few simple steps so we can send your invitation.

How to get your invitation:

• Make sure your iPhone is running iOS 12.4. To update, go to Settings > General > Software Update.
• Take note of the Apple ID used to sign in to iCloud on your iPhone. To see your Apple ID, go to Settings, then tap your name.
• Set a passcode for your iPhone, if you don’t have one already. To set a passcode, go to Settings, tap Face ID & Passcode or Touch ID & Passcode, then tap Turn Passcode On.
• Go to apple.com/apple-card and tap Notify Me to enter your Apple ID.

Invitations may take up to 48 hours to arrive."

The email that Apple sent the above email to is the email I use for my Apple ID, I checked and double checked.

My iPhone X is running 12.4, I have a passcode set on my phone, my region is the United States, and I am over 18 years old.

I am on Family Sharing, that is the only reason I could think of that affects this... but I am over 18 and I have my own Apple ID that I use, would that make a difference since I am not the organizer of the account?

Anybody else have this problem and know what to do next?

Thanks