dont charge my payment of digital code of 1 $

DONT do direct debit. they have cost me £60 in 5 weeks thru bank charges because they took 2 months payment out instead of 1, then the following month took a payment that was covered by the overpayment they took the month before.

Looking for a 1 month membership not codes, and i cant buy membership thru xbox because of a payment issue a few months ago where auto renewal kept charging my credit card with no money in the bank (thusly they cant charge now because of what happened)

It starts a recurring subscription so it wants you to enter a payment method. It doesn't actually charge you since you're using the prepaid code but if you dont want to be charged in the future, you would need to turn off recurring billing after starting the subscription.

When we charge you for a pre-order

For digital downloads:

If you use money in your Microsoft account, we'll charge you right away. If you use any other payment option, including payment backup, we may charge you up to 10 days before the release date. For more info, see Buying
digital games on Xbox One FAQ.

For items we ship to you:

If you use money in your Microsoft account, we'll charge you right away. If you use any other payment option, including payment backup, we'll charge you when the item ships.

They just preauthorize the payment to make sure the card goes through but they dont charge anything for it until they send it to u