Xbox Game Pass Ultimate Past Due

Okay so back in like December or January I had gold and I decided to upgrade my subscription to Xbox game pass ultimate for $1 and now in July I forgot to cancel it the day before and now it’s past due. I have a credit card to pay for the remaining amount
but for some reason, whenever I try to pay, an error comes up.( Try that again, something went wrong on our end. waiting a bit might help ) I got another gold gift card in hopes of being able to play online again but when I tried to redeem it, it said it will
convert it into 1 month of Xbox game pass ultimate (which seems like a horrible deal to me since it’s literally converting 3 months of gold to 1) So, what happens if I don’t pay the past due subscription? (Even though I can’t because an error keeps popping
up) I saw on a Microsoft forum that my account would be suspended but that didn’t happen last time. I had this problem before but it got solved within a day (it cancelled itself) but it’s passed a day and nothing has changed. Will it stay forever or will it
go away in a matter of time so that I can redeem my prepaid gold gift card? (3 months) or is my account suspsended and I have to wait 6 months to pay it? Thanks in advance !

:)