VISA card vulnerability

Can anyone confirm whether Express Transit mode was enabled by default with a credit card on their device? It wasn’t enabled with a credit card on mine because it was instead enabled with a Japanese Suica transit card I have, and it wasn’t enabled for someone else I asked either.

The video says it’s enabled by default for compatible cards, but I don’t think that’s actually true. I think it is enabled by default for compatible transit cards like a Suica/Passmo card, but never enabled by default for compatible payment cards like a Visa/MasterCard.

If someone unknowingly has a banking card enabled in Express Transit mode settings though, let me know.

For example, transit cards and payment cards are separate sections in settings: