Credit card keeps reappearing on my Microsoft account

Hi and thanks for reaching Microsoft Xbox gamer's community. My name is Josef.
I'm an Independent Advisor and a Microsoft Xbox user like you.

Hope you're doing great today despite this Kath

If I understood correctly you're being charged in your credit card from Microsoft even when you never use it, right?

If yes, if you go to the account order history here
https://account.microsoft.com/billing/orders

Are you able to see the transactions related to the charges in your credit card?
Please check the order history with each account

Let me know how it goes
PS: here in the forums no one can access / modify account details or similar due to privacy and security reasons

The problem is I got charged for Xbox subscription after I got locked out of my account by 3 days, (Microsoft ultimate/1month). How can they suspend my account and still keep my credit card active and deduct from my card.

Keep in mind that the payment method they are looking for is a Microsoft account balance. A credit card or Paypal would not be what they are looking for. If you've never added an Xbox gift card to your account, you would need to do so in order to open a
Microsoft account balance so they can deposit your credits.

I try to change it on the Microsoft account online I go to my billing information with my credit card with my PayPal with my Microsoft account I go to my credit card which has my Xbox live membership on it but there's no edit so I can edit my credit card

No, I'm having this problem too. I've tried many different credit cards (mine, my parents, my sisters) and it just keeps saying please enter a valid credit card. At first I thought maybe there was something wrong with my account, but there isn't because
I tried it on one of my other accounts. Microsoft really needs to fix this, I am getting very irritated, I wanted to hop on the 1$ 1 month, and they won't even let me add a credit card. SMH