Remove payment

Hi there Ff Frostbite,

THE SCENARIO: Microsoft's billing system is a little unique in that every subscription you have is specifically attached to a payment method on your account. This payment method is locked in and cannot be removed until the subscription is either cancelled
or switched to a different payment method.

THE SOLUTION: You can go to billing.microsoft.com, manage your subscription, and then switch the payment method to something else you prefer to use. At that time you will be able to remove your PayPal. The second option is to turn the renewal off for the
subscription. When the subscription ends, you will be able to remove your PayPal as well.

Hope this helps!

It says that my next payment isnt until november of this year.

You can't remove a payment option while it's tied to an active gold subscription.

You should be able to remove it at http://commerce.microsoft.com If not, you'll want to contact support and speak to billing. 1-800-4my-xbox if you're in the US/Canada or
http://support.xbox.com/contact-us

However, keep in mind that if credit cards cannot be removed if you have an active gold subscription.

Try having a look at this guide:
support.xbox.com/.../remove-xbox-live-payment-option it explains things and tells you how to go about removing and updating payment options. Hope this helps.