How come i cant remove my card details after i make a purchase

I dont wanna auto renewl my xbox gold, because of that i used an amex gift card that just enough for 1 year and removed my bank.card but now that card has a 0 balance and it wont let me renew with a new visa gift card and it says i owe 9.99. So
[Mod Removed]? When gold expires i wanna maually renew, thats my decision to make not microsofts. So how do i fix this?

:)