Hi muska96,
Re: I can not add cards on my wallet, I don’t know why?
Thank you for your question, and information.
The "Related Article" above your link, and your "screen shot" both refer to reward cards, store cards.
Both are not for credit and debit cards.
To add credit or debit cards for Apple Pay:
Things to check:
Countries and regions that support Apple Pay – Apple Support
Devices compatible with Apple Pay – Apple Support
Then, if all is ok:
Apple Support's article : Set up Apple Pay
Says:
"How to add a debit or credit card on your iPhone"
"In the Wallet app, tap the Add button (+).
Tap Debit or Credit Card to add a new card,
or
Tap Previous Cards to add a card that you used previously.
Tap Continue.
Follow the steps on the screen to add a new card.
Verify your information with your bank or card issuer.
They might ask you to provide more information, or to download an app before approving your card for use with Apple Pay."
________________________________________________________
For more support, if needed:
Try reaching out to Apple Pay Support Staff
(eg: scroll to the link at bottom right on their website that opens from the link below.)
Apple Pay - Official Apple Support
or
See a list of Apple phone numbers around the world
Contact Apple for support and service – Apple Support
All the best :-)