can i set up my apple wallet and add a credit card with out using a password
can i set up my apple wallet with out adding a password or face ID
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No. See the following from Apple Pay security and privacy overview - Apple Support
Apple Pay uses security features built-in to the hardware and software of your device to help protect your transactions. In addition, to use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID. You can use a simple passcode, or you can set a more complex passcode for even greater security.