Seems like parsing semantics. "Pre-given them" - are you giving it directly to apple.com? No. You're putting in your hardware, true. And... somehow... it makes it to all your other apple devices.
Apple Pay is one of the (few) things where that is not the case. New phone = manually re-adding cards to Apple Pay. Get an Apple Watch? It does not get your Apple Pay info until you manually add them to the watch.
I have access to card data in macOS safari that I entered on my iPhone. I don't double enter it. I do know if you disable security on the phone, you lose the card info and have to readd.
It's just a credit card though? Seems like a weird distinction when those details are intended to be given out. I presume if you're using one-time cards you're not using Apple pay at all. Plus you need the CVC code and such to re-auth them on new devices.
Apple has issues with privacy, but I don't really see how this is one of them.