Apple care
I have purchased my phone yesterday and I added apple care + using the setting tab but it says that it’s covered but there is no credit card connect to my phone
iPhone SE, iOS 15
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There must be a card attached to your Apple Account.
Check Settings, [your name], Payments & Shipping
If in doubt you can reach out to Apple Support directly. You should be able to reach them here
Contact - Official Apple Support
or phone numbers
Contact Apple for support and service - Apple Support
If there is no card attached then attach one as soon as possible, life will be much easier with one.