Xbox live charged a card but I cancelled it and i brought it with a gift card

I had purchased a xbox $15.00 gift card from my local store and with that $15.00 i brought xbox live gold. One month goes by it becomes past due very understandable so about a week later i buy a minecraft realm with my card and xbox live tries to charge
it so i decline the request but now i brought a card again added the funds and people say i have to pay the past due with a debit or credit card should not be a problem i brought it with a gif t card so i can just pay with a gift card but it is not letting
me so now i have $15.00 that should be going to my xbox live suspension but are not. Please save me from this frustration

:)