Microsoft Account Money Disappeared

Hello, I was having a problem with my Microsoft acount where my acount balance used to be about 3 dollars but now, when I was going to buy some in-game currency in Call of Duty on my Xbox I saw that my account balance was 0 dollars. I checked my recent
transactions but I had used my card to pay for all the transactions, never my account balance. I know its not that much but since im not doing well financially I would like to know where my money went, and if possible, if I could have it back. Sorry for the
category, I did not know where to ask this question.

Thank you.

:)