I have recently added a couple of my Citi cards to Apple Pay (Forward 5x Visa Sig and TY Premier Visa Sig) and encountered two very frustrating things. Wondering if others have had similar or different experiences.

1. After adding the Forward card to Apple Pay, I was asked to confirm it via text message code and did so. Received a confirmation message within Passbook that the card was added and ready to use. A few hours later, tried to use my physical card at a restaurant. Declined. Next day, called up Citi to find out why and was told a fraud block was placed because I enrolled in Apple Pay. I later added the Premier card and validated it via text. A few hours later, call from Citi Fraud dept and was told card had been blocked due to Apple Pay enrollment. Is this seriously what Citi does for every card?

2. Unlike every other card I have added to Apple Pay from other banks, both Citi cards display a generic silver "Citi" card design, instead of something resembling my physical card. Both Citi cards therefore display the same in Passbook, making them indistinguishable except for last 4 digits of card number. Does anyone get the proper card images in Passbook from Citi?