wallet

On a iPhone 11 - When setting up a credit card in wallet it indicates the card is on file. It won’t accept a new credit card because the card number is the same when the original bank was bought by a new bank. but the expiration date and security card are different now. I believe that it is because the old card data is remaining on file some where on Apple servers. I have removed the card in the apple store and under payments and shipping on the phone. I don't know how to clear the buffer to have the new security code updated. Please advise.