Hi aleksander292,
Thanks for coming to Apple Support Communities for help today.
It appears you have been to the correct article. What you have described sounds normal. See this section of the article.
"If you lose your device and need to suspend or remove cards from Apple Pay
If you turned on Find My iPhone on your device, you can suspend Apple Pay by placing your device in Lost Mode instead of immediately canceling your cards. If you find your device, you can reenable Apple Pay."
If you are still concerned:
"In addition, you can call your bank or issuer to suspend your credit, debit, or prepaid cards from Apple Pay. Suica cards can't be suspended if your device is offline (more information below). The ability to use rewards cards stored on your device is removed only if or when your device is online."
You should also be sure these emails aren't phishing attempts: Recognise and avoid phishing messages, phony support calls and other scams.
You can also contact Apple Pay support at Get Support.
Have a fantastic day!