how do i change my billing date to my pay day instead of 3 days before?

Okay, it updated so now it says I have Xbox Game Pass until 2/21 and is that finalized as far as that goes? I can't refund it and cancel it in any shape or form? I am much appreciative of your help, I believe I cancelled my automatic billing and it said
it will automatically expire then.

Hello,

Please login with your credentials (if needed) at this link: https://account.microsoft.com/services/

Afterwards locate the service / subscription you want to cancel and click on Manage, there will be a few details about the due date, renewal settings payment options, etc., there will be a link to cancel the service and will ask your final confirmation.

All accounts have a renewal date and a billing date. The renewal date is the date your subscription actually renews for an additional 1, 3, or 12 months. The billing date is the day charges are sent out. One time charges are billed on the day of purchase,
but subscriptions go by the billing date.

My guess is your renewal and billing dates are different and you never noticed it before. You can either call support or check billing.microsoft.com to confirm this.

It really all depends on your financial institution. If your billing date falls on the weekend then it can take 5-7 days before you see it taken out of your account. My current bank takes 3-4 days before they take a payment - and when it was taken from
another larger named bank - it was 1-2 days. How long are you seeing on your end?

Hi! I'm Luis, a fellow Xbox Gamer . Thanks for reaching us out here.

Unfortunately it is not possible to change the billing date .

The way to go would be as you say, cancel it or let it expire and then wait until the day you want the renewal to take place.