Automatic subscription renewal

Banking regulations require a credit or debit card for recurring payments, so you cannot assign an automatic renewel to your Microsoft balance

No, the automatic renewal will renew your subscription after the 3 months are over.

You will need to phone Xbox Support in order to cancel automatic renewal.

Hello, you have to stop automatic renewal of your subscription. Settings - my account - manage my subscription or account and you will be on the page where you will have automatic renewal and you mark cancelled.

http://support-origin.xbox.com/fr-FR/billing/xbox-subscriptions/how-to-cancel-xbox-subscription

I have tried again, it says that a subscription that is automatically renewed is associated with it, but I have auto renewal off

You can cancel your Xbox subscription either immediately or by stopping automatic renewal.

If you cancel your Xbox subscription immediately, you’ll also lose access to the subscription service at the same time. If you stop automatically renewing your subscription, you can continue to use the subscription service until it expires.

For more info, refer to one of the following pages:

• To cancel your Xbox subscription immediately, go to Cancel a Microsoft subscription, select Cancel immediately on the left side of the page, and then follow the instructions.
  
• To stop automatically renewing your subscription, go to Cancel a Microsoft subscription, select Stop automatic renewal on the left side of the page, and then follow the instructions.
  

https://support.xbox.com/en-US/billing/xbox-subscriptions/how-to-cancel-xbox-subscription