settle the debt for the xbox live subscription

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

Hello I found this thread helpful to assist you in paying back a down payment: https://support.xbox.com/en-US/billing/xbox-subscriptions/pay-past-due-balance-on-xbox-subscription

More than likely what happened was you had a past due payment on your Xbox live and until they allow you to input a new live subscription they will want you to settle your debt.

After you settle your debt, you will be able to remove those two cards. I have done it many times. Added and removed cards. Wish you the very best, to settle your debt soon and continue to enjoy gaming services.

It is possible you may owe money. Can you log into billing.microsoft.com and verify you do not owe money? Your profile can not be unlocked until you settle any debts. To settle debts you will need to contact Support via the phone.

Well, first you must settle any debts from your old card. Once you do that, then your new card will be able to be used as your account will be unsuspended. Your account becomes reactivated after you settle debts. You can go to billing.microsoft.com to see
if you owe any money, and then you will want to contact support via the phone to pay any debts.