Q: cannot add credit card to wallet, and there is no setting for wallet

Hi Dorothy

Apple Pay is currently available in the US and UK. If you are located in one of those countries, check the following:

Your region is set to the US or UK: Settings > General > Language & Region > Region - set to your country.

You have Touch ID or a passcode set up: Settings > General > Touch ID & Passcode.

You are signed in to iCloud with your Apple ID: Settings > iCloud.

You will also need a supported card from a participating UK or US issuer.

Set up and use Apple Pay on your iPhone or iPad - Apple Support    

Apple Pay participating banks - Apple Support

If the option still does not appear after making any changes, try restarting (or, if that doesn't work, force restarting) your iPhone:

Restart your iPhone, iPad, or iPod touch - Apple Support