ApplePay on Watch Always Charges to Default Credit Card

HI All,

I have a Series 3 Apple Watch operating under Watch OS 4.1 and an iPhone 8 that operates under iOS 11.1.1. I have 4 credit cards on my watch and phone. While I can select which credit card I want to use on my phone, I can not do so on my Watch.

When in the Watch, I select Wallet. From the Watch I select which credit card I want to use. However, instead of the credit card that I selected being used to make the charge, the charge is always made to the default credit card.

In an effort to resolved, I have unpaired the watch from the iPhone and restored both to factory settings. I then set up the iPhone as a new phone and do not restore with any of the back-ups. Having done this, I have re-paired the phone to the watch and then using the wallet application on the phone, add back the credit cards to the phone and to the watch. However, this has not changed the behavior of the watch always making changes to the default credit card.

Does anyone have more than one credit card associated with their phone and watch? Are you able to select a non-default card on your watch and get it to charge to that card?

Thank you in advance for your help.

Donald Barar