Not sure how the Apple Card system works, but Visa has a program that I was affected by. I had a card that needed to be replaced before its expiration date. I intentionally did not go online to update it anywhere. I wanted to start receiving emails from all of the sites that the previous card was registered as I was specifically looking for sites the card might have been registered without my knowledge. However, Netflix pays into the Visa program so that they can find out that new card number and automatically start using it without me doing anything.