Hello Geoffrey150,
Thank you for posting on the Microsoft Community Forum.
Based on your description, to fix this, you can try installing the latest Windows update by going to Start > Settings > Update & Security > Windows Update, and then selecting Check for updates. If updates are available, install them.
You can check the hash algorithm of the existing certificate within smart card.
If it is SHA1, you can change existing SHA-1 certificate within Smart card to SHA-2, did you have your internal CA server with AD CS? If so, you should migrate root certificate and issuing CA certificate from SHA1 to SHA256, then reenroll such a SHA 256 certificate again using the renewed issuing CA SHA256 certificate, and install this new certificate into Smart card.
I hope you the information above is helpful.
If you have any questions or concerns, please do not hesitate to let us know.
Best Regards,
Daisy Zhou