Cannot Access Payment & Billing in Settings

Unfortunately, ambassadors cannot access your account, we're just regular gamers like you!

Can you log into your xbox account at xbox.com? If so you would need to head over to the subscription s area and turn off recurring billing.

You mention being 'overdue', this usually occurs when payment is set to auto renew, byt payment cannit be collected.

You may need to contact xbox support directly to discuss the billing.

https://beta.support.xbox.com/help/subscriptions-billing/manage-subscriptions/cancel-recurring-billing-or-subscription

Select contact at the bottom of the page.

You cannot get refunds for subscriptions but you can turn off auto renewal so you won't be billed again. Go to your subscriptions in account settings and turn off recurring payments there

If you cannot even choose your country when trying to add payment and billing information your Xbox may be not set up to the country you are living in. So change the language /locale settings to the correct country and try again please.

Hello again.

I tried to pre-order game, but when I want to add payment method, it is already fixed to United States and cannot be changed, and that is a problem. I set in adress book that my preffered shipping and billing adress is in Germany, but it simply won't remember it for payment adress.

I'll start off by saying that you cannot purchase Xbox Live Gold directly using funds on your account. You can manage your payment options and billing at
account.microsoft.com and signing in and selecting Payments & Billing.

This page here has more details on the
Payments and Billing.