Can't find how to stop xbox from taking automatic payments

This explains how to turn off auto-renwal -
support.xbox.com/.../cancel-xbox-live-gold-subscription

If it won't work via the website, you'll need to contact support.
support.xbox.com/contact-us

Hi there,

you should be able to cancel a subscription yourself via the steps shown on this link: https://support.xbox.com/billing/xbox-subscriptions/how-to-cancel-xbox-subscription

If for some reason you can't do it via the steps there, then you will have to contact Xbox Support via Phone or Microsoft Support Chat at
http://support.xbox.com/contact-us

On my xbox, I can't find it when I search from the store neither from xbox live gold

On my computer, when I try to buy I for free and I accept the payment it's accepted and there is a bug (it's loading for a while and I have to stop it)

If you have a card payment stored on your account it will automatically charge the remainder of the payment to your card after taking initial payment from your balance.

Not one of those suggestions worked and I cant delete my card from xbox because its connected to my automatically updated 3 month xbox live renewal... The big joke is I stopped the automatic update but still cant remove the payment option, which means I
cant actually make any change to find out what the issue is.

Think I'll block all microsoft payments through my account if this cant be solved cos I've spent hours trying to simply disconnect my card from xbox but been blocked from doing so at every attempt.

Why is it so hard just to remove my own information?