I must fix my payment option?

Hey there EffWithMe,

This usually happens if your monthly subscription's auto-renewal feature was not turned off. I'm guessing that it's currently stacked with the 3 month prepaid subscription card that you redeemed. Like Kiesey78 said, you'll need to contact support for this.

Please contact Xbox Support by phone they will be able to help resolve this issue.

Hi, calling them may not be the only way, I had this issue with an old gamertag. I did ring Microsoft xbox 360 help line, they told me when I had deleted my debit card as a payment option it was a little too late, you have to remove a payment option at least
two weeks before the next payment is due, this process is automatic.

If this is not the case ring them up and go from there, if not just like me you removed your payment option too late as the Live system will automatically role your card for payment earlier so the actual payment goes through but this is not common knowledge.

This is what happened to me anyways, the fact that I removed my payment a little too late without knowing that my card had already been issued for the next months payment early so in fact I did owe them by the system for the next months xbox live payment,
this was they only way around me. All I did was re-add my card to my payment option, paid what I owed and then everything was fine. Hope this has helped

Yes, since there was an issue with you getting charged when you shouldn't have been then you will need to have it resolved with them. If you are currently suspended due to payment option you will not be able to play even if you add the trial until the outstanding
balance is taken care of.

adding a time card will not solve your issue

you must update your payment option or call support