The old credit card replaces the new One
I changed my credit card and the old one keeps turning back and replacing the new one. I have deleted that one many times.
iPhone 15 Pro, iOS 18
Not sure I’m correctly understanding you. Where are you replacing the card, your Apple Wallet app or Apple Account?
If it’s a card in Apple Wallet, you do not need to replace the card in Apple Wallet. Your bank controls the card and their system is automatically installing the correct card. The virtual Apple Pay card the bank issues is entirely different than the physical card.