Hi,
Sorry to hear you are having issues.
If you have already confirmed your device is up to date, spoken with Goldman and there are no issues with your Apple Card account specifically, confirm the following:
- Confirm both you, as the participant, and the Account Owner, are signed into iCloud Settings on each of your devices. Settings > Name at the top.
- If you have just recently created your Apple ID, make sure you have completed account creation by agreeing to the T&C for Apple Media Products and Services. If you are able to download apps with no issue, then you have already completed account creation.
- Settings > General > Date & Time > Set Automatically should be enabled, and your timezone should be listed. If it shows a loading spinning wheel, or is blank, you’ll need to Reset All Settings.
- Settings > General > Language and Region should be set to the United States.
- Settings > Cellular > Apps Using Cellular Data > make sure both the Wallet app and the Settings app are enabled to use Cellular Data.
If all of the above has been confirmed, and the issue still has not been resolved, Reset All Settings.
- Settings > General > Transfer or Reset iPhone > Reset > Reset All Settings.
Your phone will then restart, and after it does, before setting up Apple Pay again, complete the following:
- Settings > Messages > Send & Receive > Use Apple ID for iMessage > Sign in.
- Settings > FaceTime > Use Apple ID for FaceTime.
- Settings > Face ID & Passcode > Set up either a Passcode, or Face ID and a passcode.
- Settings > Wallet & Apple Pay > click on the Apple Cash card, it should say ‘Not Set Up’ > Tap continue.
- Settings > Wallet & Apple Pay > Add Card > Previous Cards > select the Apple Card > confirm if you are able to add the Apple Card back to your device.
Hope this helps.