You figured it out yourself - great! And thanks for letting the community know what happened!
…but I have to ask: How did you know the 2nd PIN if you can‘t remember enabling it? It‘s a different PIN from the normal one so I don‘t really understand the situation.
What am I missing here? 🤔
Just want to understand it - do you just mean the „backup“ function was also enabled and the primary account the card was linked to didn‘t have enough money on it for the payment?
Just guessing here.