Question about Vivoactive 4 - 603817

When linking the bank card via Garmin Pay, immediately after "getting started" it asks for a pin code, then repeat the pin code. I then keep getting a message ERROR something has gone wrong. It looks like the watch has already been used, so a pin code has been created. I obviously don't know that one. Does anyone have a solution? I can send the watch back even before I get an answer from the support department, which take 2 working days, so the watch will not be with them within the warranty period. So a quick solution would really help.