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Customer getting E00042 error when trying to check out while not logged in

I just got a message from a customer saying that they were getting an E00042 error when trying to check out.

This error code indicates that the customer has too many payment profiles set up, which doesn't make sense to me given that a logged out customer should have zero payment profiles associated with them, right? My best guess is that it's lumping all not logged in customers together and observing that there are more than 10 of them, but if that were the case I would have expected to run into this error a long time ago, so I am confused.