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Why can I still use Apple Pay after deleting my credit card in Apple?

After deleting the credit card in Apple, I can still use Apple Pay because it is not refreshed. If you delete the credit card in Apple, you cannot use Apple Pay. If you delete the credit card in Apple, there will be a delay, so you can still use Apple Pay. You just need to refresh it. So after deleting the credit card in Apple, I can still use Apple Pay because it is not refreshed.