**bleep**. Security Update (like KB5101650) breaking SmartCard Authentication for Office 2024 apps to O365

Seems this is well known but not hotfix yet, the workaround: 

1. Profile Recreation

Disable automatic NTUSER.DAT backups

Delete cached profile registry keys under HKLM\SOFTWARE\Microsoft\Windows NT\CurrentVersion\ProfileList

Rename the existing profile folder, then let Windows create a fresh one at next login

Copy non-AppData files back manually

Note: Application-specific settings must be reconfigured.

2. Clear Cached Credentials

Open Credential Manager > Windows Credentials

Remove old Office/ADAL/WAM entries

Disconnect stale work accounts under Settings > Accounts > Access work or school

Reboot and re-sign in interactively

3. Interactive Sign-In Reset

Close affected apps

Sign in at office.com with SmartCard PIN

Relaunch Outlook/Teams to refresh the Entra session