Xbox game Pass Ultimate wont go through with paying for my overdue bill

You'll have to pay off the balance before you can use a prepaid card or the funds on your account to pay it off. If it's giving you an error when you try to pay with a credit card or Paypal, you'll want to contact support and speak to billing. http://support.xbox.com/contact-us

When you purchase gold, game pass, or Ultimate through Xbox, you start a recurring subscription. If you don't turn off auto-renewal, the subscription continues the next month. You can try contact support and speak to billing to see if they can cancel it
without having to pay off a balance first, but otherwise, they will suspend the account until you pay off the overdue balance. http://support.xbox.com/contact-us

You can try contacting support and speak to billing to see if they can cancel the Ultimate subscription without having to pay the overdue balance. Otherwise, you'll have to pay off the overdue balance before you can do anything. http://support.xbox.com/contact-us

Is it Game Pass or Game Pass Ultimate that's overdue? Ultimate includes Gold which is why you would get that message when trying to add more Gold.

If it doesn't give you an option to pay the balance there, you'll need to contact support and speak to billing. You'll have to request a call or chat with support at http://support.xbox.com/contact-us
If you don't see those options, change your category/topic until you do.

I did mine through paying for my gold subscription then going into games pass and upgrading to the ultimate package from there