Note: You cannot get this card if you have different accounts being used for the App Store and iCloud.
View attachment 2402149
Yup. It's an issue.
Back in early days of iCloud, Apple and I had an issue that, seemingly, could only be resolved by dividing my iCloud and Apple Store account into two separate accounts.
I grew to appreciate the security ramifications of that.
Then, in November, my iCloud account (online) began to populate my Contacts with dozens of duplicate Groups / Lists, which then did the same on my Mac and iPhone. Trying to resolve this basically broke several of the upper food chain Apple Support crew - completely flummoxed but acknowledged it was an issue at their end - until I mentioned my second (Store) iCloud account.
With a clean (unsync'd) Contact list on my iPhone, we disabled Contacts on my devices, signed into the Store account and added Contacts there. Sync'd and that account populated with clean list from the iPhone. This than moved to my Mac. My master iCloud account is still populating with duplicates, but I have deleted all contacts from the account, it's only creating empty Lists. The rest of that account works just fine.
It's all a bodge job, but a workaround. And again, I only have the two accounts because of issues with Apple.