The Average Gamer

Remove Your Credit Card Details from Xbox Live – ONLINE!

One of our most popular post series’ is How to Remove Remove Credit Card Details from Xbox Live. The upshot of it all was basically… you can’t. Not properly. We tried the website. We tried phoning them up. 53 days later, Nick’s credit details were still on his Xbox Live account.

Stories came in from everywhere about people having the credit card problems. Scott wanted to stop his son from buying MS points indiscriminately – couldn’t do it. PrincessMeri spent two years asking Microsoft to stop billing her. Mark‘s account was hacked and $247 worth of points was charged to his card. People even made complaints to Watchdog and the Better Business Bureau (sadly, with no direct response). Lots of worldwide frustration over such a simple little thing.

We are now happy to report that Microsoft have finally added an option to remove your credit card details from your Xbox account! They no longer blacklist your card and you can add it back later if you change your mind.

Editor’s Note: We’ve been updating this page as Microsoft update their site. Comments below may not be reflective of the current version. This page was last updated on 12th July 2011

Here’s how. Click on the images to see full-size versions:

  1. Log in to Xbox.com
  2. Hover over My Xbox and click on Accounts
  3. Click Manage Payment Options
  4. You should now be presented with a list of your current credit cards. Click Remove for the card you wish to remove
  5. Click Yes in the pop-up prompt
  6. And if you’re lucky, your card might be removed. Unlike mine.

Going to the Payment method information page as instructed brings me to my Microsoft billing information. This reveals that my only existing service is “Prepaid 12M Xbox Gold”.


I’ve just turned off automatic renewal for Xbox Live Gold so there shouldn’t be any payments due but it still won’t let me remove my credit card. As such, I don’t hold out much hope for anyone else. Do let me know in the comments if you manage to remove your card. Good luck!

Update January 2011: Updated instructions and screenshots again for Xbox.com’s October redesign. Also discovered that with the current version of Xbox Live, it appears that you can no longer remove all your credit cards even when your subscription has been moved to a 12 month pre-pay. I had to attach a different credit card to my account before it would let me remove the old one. Very unimpressed, Microsoft.

Update: 11th Feb 2009

We’re getting reports that some people are having trouble removing their cards. Some even think this is a fake option on the site to placate us. Trust us, it’s not. You can actually remove your card details.

As Gabe says in the comments, they may have an active subscription using their credit card that needs to be cancelled first. I switched to a pre-paid 12 month subscription a few months ago, so the theory seems to hold true. If you get a customer service rep to explain this, let us know.

Our advice, buy pre-paid cards instead:

UK Links:
US Links:

215 Comments

  1. Pingback: How To Remove Your Credit Card Details from Xbox Live - Part III | The Average Gamer

  2. Angry XBox User

    8th Feb, 2009 at 3:59 pm

    Mine says This payment option cannot be removed at this time. Please contact Xbox LIVE Customer Support.

    • Weefz

      8th Feb, 2009 at 4:55 pm

      Sorry to hear that, Angry Xbox User. Please let me know if you get a reason from Customer Support.

      I did test before posting this and it allowed me to remove all my credit cards. There shouldn't be a requirement to have at least one on file.

    • Steve-o

      27th Apr, 2009 at 10:44 pm

      Even if you have the 12 month gold prepaid, it still doesn't let you remove it. I have auto renewal on, and I think that's why the card is "still in use"

  3. John

    8th Feb, 2009 at 8:51 pm

    Here in the U.S. I received the "this payment option cannot be removed please contact customer support. I contacted customer support and ran into several dodges.__ First they said they couldn't do it and it required their supervisor who may not be available.__ Then they said it would take 30 days and suggested I have my credit card bank block further charges from Microsoft. (This cannot be done by the Credit Card company).__ I explained to the superviser that this was not available and that I would have to cancel my credit card. At that point they offered to put a lock on the card# and said it would take a billing cycle to remove the credit card information from the X-box. They will cancel the gold membership and then email me a token code to restore the 1 year subscription.__All of this was incredibly complex and smacks of legal but unfair and unethical marketing practices that besmirch Microsoft's reputation. __Altogether the process took about 90 minutes from start to finish.__Hopefully they will wise up and stop doing this sort of thing as it makes me particularly suspicious of all of their products and less likely to upgrade the console or to buy games and support it in the future.__John

    • Weefz

      8th Feb, 2009 at 9:55 pm

      That's terrible, John! Guess I was too quick to believe that they'd changed their ways.

  4. Not Dave

    9th Feb, 2009 at 2:43 pm

    What you can do is enter totally wrong info – I am Dave at No Address with the City name REMOVE MY CARD and with a wrong security code & expiry date. This solves it with no need to call the evil that is Microsoft :D

    • Weefz

      10th Feb, 2009 at 12:32 am

      Sadly, I tried that some time ago. In the UK it seems to validate the card somehow and rejected my fake attempt.

    • stuart

      15th May, 2009 at 6:36 pm

      execpt for the fact if you put in a wrong security code then it wont let you continue, as well as if you put in an invalid credit card number

      • alex

        20th Aug, 2009 at 7:18 pm

        I actually did that and my card is still getting charged!!!!! It's like it remembers everything you've ever entered and just charges everything it can! Despicable!!!!!!!!

  5. J D

    10th Feb, 2009 at 3:41 pm

    'This payment option cannot be removed at this time'
    ARGHHHHHHHHH I hate Microsoft for this. I want to avoid ringing them at all costs as its hard enough explaining to them what you want.

    Props for this method though.

    • Error'd

      11th Feb, 2009 at 8:29 am

      I wanted to avoid it too :( but I had to call them. Twice. :( :(

  6. Gabe

    10th Feb, 2009 at 10:16 pm

    i'm guessing if you have an account active, tied to one of your credit cards, you wouldn't be aloud to remove it until your cancelled your account through xbox customer support. if you bought a prepaid subscription to xbox live. and only used the credit card to buy points it would remove with no problems

    • Error'd

      11th Feb, 2009 at 8:28 am

      You would guess that, but you'd be wrong! The removal option is a ruse. A filthy ruse. You can only remove additional credit cards, there still has to be a default one.

      I suppose it's somewhat brilliant in a way. Make it so difficult to remove your card that you give up and leave it on there, along with your automatically renewing gold subscription!

      >_>

    • Weefz

      11th Feb, 2009 at 9:14 pm

      That might be it, Gabe. I did switch to using a 12 month prepaid subscription some time ago, so the subscription isn't tied to my card.

      • J.J.

        10th Mar, 2009 at 10:23 pm

        I removed it with no problem! I use pre-paid cards for live and a cc for points.

    • gmoney

      2nd Jun, 2009 at 1:31 pm

      So if I bought a 1 month card and used it. Could hten I remove my credit card from the xbox?

  7. B G

    16th Feb, 2009 at 5:36 pm

    In the UK, just call up your CC company and tell 'em that you lost your card. They will send you a new card with a new number, which means MS is stuck with an invalid card on their records. I've still got one on there from years ago that I can't remove, but neither can they use it to charge me. I switched to prepaid cards ages ago.

    • Niall

      26th Jul, 2009 at 8:31 pm

      Are you 100% sure this works and your bank doesnt just transfer the bill to your new account??

      thanks

  8. UKTonyK

    17th Feb, 2009 at 11:02 am

    Got the same Payment cannot be removed at this time bollocks. This is after a 40 minute 'chat' to CS and being elevated up to a 'Supervisor' who informed me of this new three day old method of removing credit card details.
    After a second 'chat' to CS I am now awaiting a call back from Billing.

    Frustrating isn't the word.

  9. kuljit

    21st Feb, 2009 at 1:46 pm

    Ended up calling them to cancel. Spent 15 minutes on the phone telling the woman all my fake details that i entered in and she said that its cancelled and gave me a reference number. seems a little too long for a thing which should as simple as hitting the DEL key.

  10. Raelyn

    22nd Feb, 2009 at 10:16 am

    You know what I am going to do? I am going to my bank after I cut up my debit card into a million little pieces, get a new card and never again give the information to Xbox live. My kids will have to earn the money to buy the membership card from the electronics department of any store that carries the accessories. I am done with being taken advantage of… How about you???

    • James

      10th Aug, 2009 at 6:29 am

      I M Down With Raelyn. i M Done With This Stupid Process. Never Again Gonna Get Taken Advantage Of. I M Just Gonna Make My Cuz Work For That Extra Five Dollars From Now On.

  11. Rich

    28th Feb, 2009 at 9:44 pm

    I rang Microsoft CS from UK (is it in France?) a couple of months ago to remove my card and completely forgot about it. Just checked and my details are still live! When I found this solution I thought all my problems were over and common sense had prevailed, but I get the 'please contact CS' message too and cannot remove my card. I can't believe this is so difficult to do! I feel like selling my Xbox gear and getting a PS3 and I have NEVER had a Sony EVER! I bet they dont get this crap!!!!!

  12. Clusk

    1st Mar, 2009 at 9:29 pm

    can you get a refund from xbox if theyve been taking my money even though i havent used my xbox in over 6 months?

    • Nathan

      26th Mar, 2009 at 11:35 am

      yh you can. they did that to me with my old account. I phoned up to tell the to delete that account and a year later its still active and they even renewed it and took 40 pounds from my account without telling me. but i phoned up which took around an hour to sort and got a refund a week later

  13. Clusk

    1st Mar, 2009 at 10:28 pm

    im getting the old 'This payment option cannot be removed at this time' shit aswell
    it also says there is no valid card on file, but is still able to take £40 out of the account? wtf

    • Wally

      18th Jul, 2009 at 4:15 pm

      I got this same bollocks. they somehow were still able to get £40 off what looks like an expired card!

  14. Jason

    4th Mar, 2009 at 6:04 pm

    "This payment option cannot be removed at this time. It might be associated with an active subscription." I dont understand why, that card expired last year and my XBL has ran out, so how can my subscription still be on there?

  15. Luke

    5th Mar, 2009 at 6:31 pm

    how do u turn off automatic subscription?

  16. Luke

    5th Mar, 2009 at 6:32 pm

    sry, automatic renewal of subscription

    • Weefz

      14th Mar, 2009 at 12:43 pm

      Hi Luke. I believe it's under the Account Summary section within the Xbox Live website. Can't tell you exactly where as I'm using pre-pay cards.

  17. John

    8th Mar, 2009 at 4:53 pm

    i called support, removed my auto renewal from card and it still will not let me remove the credit card! I even bought a 3 month pre paid card and that still will not work.

  18. Wendy

    14th Mar, 2009 at 11:04 am

    I managed to remove my credit card – thanks for your post. I only added it to buy some songs, immediately regretted it, thank God I managed to remove the card!

    • Weefz

      14th Mar, 2009 at 12:40 pm

      Thanks Wendy. Good to hear that some people are having success.

  19. Angry User Nathan

    16th Mar, 2009 at 9:58 pm

    My Card Expired over a month ago and when it was active i was getting charge monthly. Now my last billing was 19/02/2009. Its been well over a month now that my card has expired and my membership should have expired and gone silver but its still silver, when i go on xbox.com to remove that card all i get is " This payment option cannot be removed at this time. It might be associated with an active subscription. " Would i possibly have to cancel my subscription to xbox live or just wait a week or so for my account to go silver then try remove my card ?

  20. Xbox Problem Fixer

    21st Mar, 2009 at 3:31 pm

    Hi, i have solved this problem, here's how:-

    To update your billing information, visit the following Microsoft Billing and Account Management Web site:
    https://billing.microsoft.com/home.aspx

    To switch your subscriptions to a new Payment method follow these steps:
    Under Your payment methods, click the payment method you want to change.
    Under Payment method activity, click Go to payment method information.
    Under Payment method information for this account, click Use a different payment method.
    Check box next to card you want to make your default payment method.
    On the Confirm transfer page, confirm the balances and services you want to transfer, and then click Next.

    Now if you look at "manage your payment options" on xbox.com or payments options on your xbox, the card will be gone!

    (note if you want to remove ALL credit cards, you need to contact xbox live support)

    • Jed Hunsaker

      27th Mar, 2009 at 8:24 am

      You saved my life. These steps solved all my problems!

    • marie

      30th Jun, 2009 at 12:58 pm

      yes but we want to completely remove our cards not transferr to another! an xbox make it impossible i regrett buyin an xbox the console itself is ok but MS is the biggest con on earth fuck bill gates the robbing c**t
      so has anyone managed to successfully remove their card when it says you have a subscription cuz ive tried everythin so far to no avail im currently in the proccess of waitin for my new card as ive said my card was lost so i guess ill have to just wait to see if this works if now guess ill have to change my bank and cancel my bank account altogether lol(dont really wanna do that though tbh its gonna be a pain havin to tranferr everythin )

  21. Tony

    22nd Mar, 2009 at 11:51 am

    I'd always been very careful to never give MS my card details. Tonight I foolishly bought $5 of points at zune.net (for XBOX DLC). I was then horrified to find the card details as the (only) payment method at https://billing.microsoft.com/home.aspx.

    I wasted about an hour with 1-877 GET ZUNE customer support who eventually told me I'd have to call 1-800-4MY XBOX to get a "violation" put on the card to block (not remove) it. While on hold, I found this page and followed instructions to remove the card on https://live.xbox.com/en-US/Flows/EditCreditCard/

    The billing.microsoft.com page still shows payment type "Xbox Live (Visa: xxxxxxxxxxxx9999) " but now there's a "(Removed)" after the hyper link. So, fingers crossed, my card can't be used from that live account.

    I'm so angry with myself for breaking my own rules. I'll be far more careful in future to avoid direct transactions with MS. I'm also going to spend some time on the phone to my credit card co tomorrow to try to get zune.net flagged as a phishing site.

    P.S. on a tangential note, never buy any DLC for a MS published game. After our 360 RRODed, Crackdown DLC was the only content that we weren't able to fully restore on our replacement box (from MS!). MS seem to go out of their way to destroy trust and undermine their own business. It's like dealing with Soviet bureaucracy – GOS-soft.

    • Tony

      23rd Mar, 2009 at 12:01 am

      P.P.S. A day later, just got back from dinner. My credit card was refused. It turns out that every time I tried to over-write my card details at billing.microsoft.com they sent a $1 trial transaction to the card company. After 4 or 5 invalid transactions the card co froze my account.

      NEVER, EVER, GIVE YOUR CREDIT CARD DETAILS TO MICROSOFT.

  22. Trev

    2nd Apr, 2009 at 12:00 am

    Thank's wanted to get my card detail's off my account and this worked a treat i guess people struggling to get there card's off there account's have bought a gold account with them.

    As i only used it for purchasing Point's.

    Thank's again as i started to worry incase my gamertag was stolen and people used my card.

  23. Amanda

    8th Apr, 2009 at 4:35 pm

    I just called Xbox and downgraded from Gold to Silver with no problem at all. I maybe could have just removed my credit card online, but I called instead, and this way I don't have to re-enter card details to buy points. Anyway, I read nightmare stories of Xbox not wanting to do that, the process taking several months, calling several times, and even that Xbox will erase your gamer score when you downgrade – but none of that happened. I already paid for this month, but I will not be billed again and my accounts is intact. They were professional and polite. Suprising, eh??

  24. Fred

    19th Apr, 2009 at 3:46 pm

    Worked for me. I used the Credit Card for a Microsoft Point purchase. The XBOX LIve subscription was done via prepaid card. I was able to remove the credit card from the account.
    I just don't want my kids to "purchase" something without me knowing about it.
    For the person who said "Change the address, the number, the expiration date to something invalid", this is called fraud. If you after that try to purchase something with this "invalid card number", Microsoft can sue you. So, just follow the drill and remove the card.

  25. Greg

    26th Apr, 2009 at 10:26 pm

    It is finally deleted, YAY!

  26. zoe

    6th May, 2009 at 7:39 pm

    wicked this really helped me thanx

  27. Josh

    14th May, 2009 at 12:04 pm

    well i called M$ because i couldn't sign on to my gamertag and they told me that i had a "balance" on the credit card i was using to renew my month to month membership even though the credit card was canceled months prior. apparently they tried multiple times to charge the credit card while still having a gold membership. even though i was waiting for them to revert it to silver so i would get my moneys worth for that month then buy a prepaid card. so i called for about a month and they finally gave up and reverted it to silver but i still cant remove the card and it still shows that there is a balance owed. I'm so sick of M$ taking advantage of its customers.

  28. penderoo

    14th May, 2009 at 10:58 pm

    I had to call to cancel the account because you can't do it online. You also can't shut off automatic renewal to the credit card. If you have an active gold membership, the credit card on file will be charged every month, whether you like it or not. What a hassle. I don't understand how Microsoft gets away with this stuff.

  29. Craig Hogben

    21st May, 2009 at 2:06 pm

    "This payment option cannot be removed at this time. It might be associated with an active subscription." And I have just turned the auto renew off and I am using a redeem code. any idea why I can't delete it as it's no longer in use?

    • Nathan

      28th May, 2009 at 1:20 pm

      Same problem mate. You have downrgrade to silver or let your membership expire then remove it.

  30. matt

    22nd May, 2009 at 8:02 pm

    When I try removing it give me this error.Sorry ut this credit card cant removed because it is linked to an active account

  31. Elliott

    28th May, 2009 at 9:10 pm

    Worked fine for me. Thanks

  32. Del

    2nd Jun, 2009 at 3:07 pm

    Thanks, I managed to put my details in and remove my partners (who was fuming after finding a one of payment for my son had turned into a regular payment!). MS bad biz pracitce – taking advantage of people. Thank heavens for threads like this that help the everyday joe bloggs.

  33. Doodie Ballzack

    25th Jun, 2009 at 12:53 am

    I made the mistake and placed my card in their system in 2008 to purchace MS points. The creditcard I put in also expired in 2008. Apparently I thought since the card was going to expire in 2008 i wouldnt have to worry about any extra billing or anything. I thought wrong apparently XBOX LIVE uses auto renewal for the LIVE. So 2009 there is a pending charge for xbox 12 month on my EXPIRED CREDIT CARD. I don't know how they can charge to an expired credit card. so i got this message when i was trying to remove it. "This payment option cannot be removed at this time. It might be associated with an active subscription." So after bitching with them on the phone they told it me it would be removed in 30 days and not to purchase anything on live.

  34. darco90

    30th Jun, 2009 at 5:26 pm

    mine says An outstanding balance exists on this payment instrument. Please try again later.
    anyone help?

  35. Scotty

    5th Jul, 2009 at 6:11 am

    I dont know about you guys but someone should take this to the news channels and get them a lil publicity as "scammers" who wont remove you credit card info from their website and your account im so sick and tired of M$ taking advantage of everyone

  36. Kalvin

    16th Jul, 2009 at 2:44 am

    Just got a ZboZ. I haphazardly (drunkenly) decided to get some points one weekend and now I feel bad for leaving my credit card info in the system.

    Thank you so much for this post!

  37. Jamie

    21st Jul, 2009 at 11:09 am

    i was going to swap my account over xbox live but i seen that i had 2 of my card details on there from about year ago! so then i couldnt swap my account cos they would of been having free stuff with my card on xbox! so i done what it said and only 1 deleted and the second does'nt work for some weird reason. XBOX SUCKS but CoD is beast :)

  38. will

    30th Jul, 2009 at 8:11 pm

    Lol i stop because xbox live stole of my cridit card and my credit card was buying micro points
    it ended up to equeal up this much micropoints Points Balance 11000

  39. Sav6

    9th Aug, 2009 at 3:07 pm

    If your stuck making monthly payments for XBox Live and want to stop easily you can login in at http://www.xbox.com, click on My Account in the drop down box, look at Membership Level and you will see the Automatic Renewal: ON , click on this and turn the Auto renewal to OFF, MS will still have your card details unless you ring them but atleast no more payments will be taken.

  40. MurderMassRecordz

    10th Aug, 2009 at 4:12 pm

    I HATE MICROSOFT my account got hacked and was charged 500 dollers and when i called they said i was lying that i had bout them points wich i didint i hadnt even playe d my xbox and they still wont remove my credit card and im still being billed and i do not have the money for this shit!!!! i think every body who hates microsoft should come togeter and tell microsoft off thur fucking cheap basterdZ!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  41. Alexander

    14th Aug, 2009 at 9:37 am

    I have purchased a 1 month Xbox LIVE Gold Membership with a credit card. I do not want it to be renewed automatically nor to have the credit card details attached to the account for longer then the 1 month period (sooner if at all possible).

    I have gone to the appropriate websites and set the account option to not auto-renew. I am however not content with this and wish to remove the credit card details directly after having purchased the membership.

    I am assuming that I may only remove the credit card details after the month has passed and my membership has reverted to Silver status.

    Any assistance on this matter will be appreciated.
    -Thankyou.

  42. DeA

    29th Aug, 2009 at 1:46 am

    It worked im in US and It FUCKING WORKED THANK THE LORD I PRAISE YOU NOW I WON'T BE IN DEBT!!!

  43. James Haskell

    3rd Sep, 2009 at 2:15 pm

    That is crazy. That why I buy everything from gamestop.

  44. johhny111

    8th Sep, 2009 at 3:07 pm

    My credit card actually expired at the end of August and I am still being charged for September. How does that work? Thats ridiculous.

  45. COLLIN SEASE

    9th Sep, 2009 at 3:06 am

    the customer service is fucking terrible aparently the Cusomer Service people said that i cant remove a credit i can only add one that is so fucking stupid this has now happened to me twice from now on im just going to sick with the fucking 3-month xbox live cards

  46. germ squirt

    9th Sep, 2009 at 6:40 pm

    yeah, i found it, it was in the marketplace options. you cant just log in and do it. you have to dig for it lol.

  47. Fred

    28th Oct, 2009 at 7:34 am

    Same here. My credit card actually expired at the end of August and I was still being charged for in January for 12 months!!!
    i'm trying to prevent this from happening again and 1)turned off the auto renew which should help.. but 2)I'm still can't remove my old expired credit card.

  48. james

    17th Nov, 2009 at 3:31 am

    THIS IS WT I GET…………………… An outstanding balance exists on this payment instrument. Please try again later.

  49. Jack

    12th Dec, 2009 at 1:13 pm

    This payment option cannot be removed at this time. Go to the Payment method information page to view services associated with this payment option.

    Called CS and they say it takes 3-6 months to remove it.

  50. del

    17th Dec, 2009 at 11:38 pm

    i use a pre paid visa card&get exactly 20 euros on it for 3 mnts,subscription ran out&MS used orignal card number 2 renew,dey suspended my acc so got 20euro on card,wen u do dis u get new visa card num each time u top up so had 2 add new card in billing however dey took 3 euro for first card been expired(pre paid only visa numbers expire after 3 mnths),so rang dem&was told 2 buy a 3mnth voucher from GAME,did this&now account wont let me change payment method,head wrecked,after spending 40euro in total&still cant play online,dealing wit gangsters

  51. Steve

    24th Dec, 2009 at 8:38 am

    I cant remove my card which expired over a year ago, i have turned off automatic renewal but BE WARNED!!!! WHENEVER YOU TOP UP WITH A PREPAID CARD AUTOMATIC RENEWAL RESETS TO ON!!!!! F-ING MICROSHAFT ARE IMMORAL TW@TS

  52. Steve

    24th Dec, 2009 at 8:47 am

    if anyone is still having problems removing credit card go here http://support.microsoft.com/kb/908655

    it wont help but at the bottom theres a section you can fill in to comment, if enough people give them hell they may finally allow us to phisically change payment options to pre paid XBL cards

  53. James

    11th Jan, 2010 at 2:38 am

    If you have bought a GOLD LIVE Membership, YOU HAVE TO TURN OFF AUTO RENEWAL and LET IT EXPIRE then you can THEN REMOVE your card. To do so, go to Account -> Membership Level -> THEN ON AUTO RENEWEL. (If it sais ON, click it then keep clicking next until you turn it off). Let the membership expire then remove the card. I think the biggest problem people have is not being able to turn off the auto renewel, could be why they are having troubles.

  54. xbox bully

    12th Jan, 2010 at 8:09 am

    this is absolute bulls#*t!! I set my account, NO automatic renewal but what happeneds microsoft doesn’t like people with no automatic renewal. And sets it right for you. Because you are just a stupid little person that doesn’t understand that you have to have xbox live. If I had the money I would sue the bastards because this is outright stealing!!!

  55. xbox GT: sLy GuY MuZz

    15th Jan, 2010 at 11:56 am

    everyone seems to have this problem with the xbox and i do aswell…the xbox customer service is awful, you either cant get through to them or your put on hold for so long that you just hang up!…i havent completly removed the details but i have stopped payments unless i authorise them…as when you make an account it is default that renewal is turned on but not many people know this..

    anyway for the ‘cure’ to removing unauthorised payments from your credit card is…go to http://www.xbox.com and sign in…then go to the top right of the pages corner and click on the drop down list which says ‘my xbox’ and click on my account.. there you should see third down the list ‘membership level’ and a link saying ‘automatic renewal’…all you have to do is turn it off and xbox wont take anymore payments unless you authorise.

    to be honest i think microsoft make enough money without scamming people and there just ignorant, greedy and dont help at all with problems customers are having…and i expect top quality online play as been as you pay £40 for xbox live per year (as PS3 is free!!) and you have to pay £60 for the network adapter..(whereas it is built in to PS3!!) and xbox connections are getting worse every week with games ending because of connection problems its just bullsh*t.

    i hope this helps everyone.. as i said it wont remove your card details.. the best thing for that is to go to your bank and destroy your card and get a new one…BUT MAKE SURE YOU TURN OFF AUTOMATIC RENEWAL ON YOUR ACCOUNT BEFORE YOU DO THIS TOO AS XBOX STILL SOMEHOW FIND A WAY TO TAKE IT WITHOUT PERMISSION IF YOU DONT..

    thanks

  56. Totally Screwed:(

    22nd Jan, 2010 at 4:48 am

    Okay guys i have the same damn problem as everyone else:(
    I borrowed my moms credit card last august to buy a one month and some points. Now those greedy bastards wont let me remove it! That was in august and its now january. if it was auto renewing, then it would have charged only around $50(i live in the US) but my card expired in december. i kept getting messages about how my account isnt valid blah blah blah. so my friend gave me a 1month prepaid card so i put that in hoping that it would renew my membership and i would then be able to remove the card. nope.
    so then i got my moms card again and updated the expiration date hoping to get rid of the message that the card isnt valid and then remove it. nope. so now the card is still there(although im not charging it) and i have a prepaid 1month that expires Feb25 somehow??(i put it in like Jan 4) but anyways thats not even the worst part- now the damn bank decides to send my mom a letter saying that microsoft charged $127!! WTF!!?!? we cant afford that.
    So Microsoft is really a piece of s@:p and HOPEFULLY the bank messed up and we owe only about $50. Either way im still utterly and hopelessly fu@:edfd:((((( Dear God why??!
    so for such a long comment…

  57. rachel

    23rd Jan, 2010 at 2:35 am

    I was charged for a game I did not order. The only thing i can think of is A my account got hacked or B the remote got stepped sat or slept on. I called the same day I got the confirmation e-mail and they REFUSED to refund anything. Anyway I went on to cancel my card and it wouldnt let me. I called and the only way to delete it is to cancel the membership you paid for then in 3-5 days they will send you an e-mail with a code that will allow you to redeem your remaining months.

  58. xbox bully

    24th Jan, 2010 at 6:29 am

    Well I managed to get my credit card off. One thing I learned is that as soon as you buy live points, microsoft puts your membership back to automatic renewal. So make sure that you always check what your membership is doing.

  59. Bwuahaha!

    4th Feb, 2010 at 5:27 pm

    Hey guys! There’s actually an option now to stop automatic renewal online! :D Follow the steps all the way at the top! But instead of clicking on ‘manage payment options’ click on ‘membership level’. Then you should see some text that looks like this. “Automatic renewal: ON”. Click on the ‘On’ Text. You will then have to scroll down to the bottom of the page, and lick next. (They try to advertise you stuff to get you to stop. there were four sets of ads for me! D:) And then at the very end you should be able to turn it off! then it will say (I’m sorry you have chosen to leave us blah blah blah) And prestooo! TA-DA!

  60. Eric

    6th Feb, 2010 at 4:41 am

    mine is the same… im trying to cancel the card and it says

    This payment option cannot be removed at this time. Go to the Payment method information page to view services associated with this payment option.

  61. lifeandlifeonly

    6th Feb, 2010 at 3:59 pm

    hey, to the guy above, thanks for pointing out you can turn off auto-renewal online! been wrestling with this for ages, lent my credit card to my brother thinking he’d be able to pay for just one month and now i find ive been charged for three and cant remove my credit card details. great business strategy from microsoft! greedy swines…

  62. Brian

    7th Feb, 2010 at 3:38 pm

    STILL A LIE!!!
    The remove button ONLY works if you DIDN’T use your CC to buy the GOLD membership.

    I’m an older gamer and have 4 kids ranging from 14 to 26 and the older one’s have moved out. I told them ALL that I’d pay to keep their XBL Gold Memberships active forever because it lets us stay in touch with each other now that the older ones moved out. I set up all their accounts with one CC auto-renewing their Gold Memberships.

    However, one of them decides to go crazy and buy a bunch of Arcade games without asking first (and that’s not part of our deal), so stupid me simply wants to remove the card info from XBL… NOT HAPPENING!!!

    Apparently, since I bought the Gold Membership with the CC, it’s ATTACHED to that purchase and CAN’T be deleted even with the USLESS “Remove” button!!! Even after I went into the account and turned OFF the auto-renew option, it STILL won’t let me remove the card. The most screwed up thing about this is the membership is PAID IN FULL and after turning off the auto-renew option, it should NOT be tied to the CC any more. XBL Customer Service, live from India, is a friggin’ joke. Someone on here said after turning off the auto-renew option, you have to wait till the current membership expires, but for me, that’s 9 months away.

    MY SOLUTION: Delete XBL from the equation by doing 2 things…
    1. Went to MY Credit Card website, clicked “Lost Card” and had a new card & new number sent to me within a few days. RENEW THAT XBL!!!
    2. Found the Maximus Cards website (www.maximuscards.com) so now whenever I want to renew the kids’ accounts or give them points, I don’t have to go to the store and waste time. I can SAFELY use my Credit Card to buy renewals or points from Maximus Cards, they email me the Redeem Code within about 2 minutes and just forward copy the code onto an email or XBL message to the kids to use. There’s about a 10 minute delay from the time I clicked “order” at Maximus Cards to the time XBL accepted the code, but considering I didn’t leave my living room and can do it 24/7, I can live with 10 minutes.

  63. Anti Jesus

    12th Feb, 2010 at 2:03 am

    Mines says I have an outstanding balance on it please try again later.

  64. MOTHER F****** MICROSOFT

    13th Feb, 2010 at 1:38 pm

    I tried to remove my mums credit card details and it just said that i cant so instead of being charged 4 renewal evry month i turned it off so i think its just a scam (stupid microsoft they got enuff money y bother wiv having cost on live -.-)

  65. Corey

    17th Feb, 2010 at 5:28 am

    microsoft finally allows you to turn off auto-renewal. you still have to wait unitl your current membership is expired but they “shouldnt” charge you but this is microsoft we r talking about. anyways go to xbox.com and sign in and click on my account. Now go to membership level and click on auto-renewal on. They will try to get you not to do this with advertisements but just finish and wallah.

  66. Corey

    17th Feb, 2010 at 5:29 am

    you can remove a card if you bought points only with it

  67. Murdock

    20th Feb, 2010 at 9:47 pm

    Its scandalous!

    I get really upset at Microsoft and the Xbox corporation for treathing the customers this way;

    1) Its my own choice if I want to automatical renew to me Xbox live and I shall not need to remove the “renewal ON” to off after four clicks and then read “We’re sorry! that you don’t want to renew!! What about me?? I don’t care what Microsoft thinks! I decide over my own money and wants this fast and convenient.

    2) I get pretty mad after now trying to remove the credit card five times from the xbox site, it says “we can’t do this right now” so, when is a good time for you? never?

    3) Just recieved my xbox from a second red light in two years, no comments needed.

  68. james lewis

    28th Feb, 2010 at 5:30 pm

    So i cant remove the automatic renewal, nor can i remove my credit card details. I had an xbox360 2 years ago, and went through the same rigmarole. It put me off microsoft- well it would, wouldnt it? I got rid of the xbox and got a ps3. That died after 3 months. the replacement died yesterday. £70 repair charge) But my oldest son has an xbox of his own now and i lent him my card details. So now I have to phone my bank and pretend to have lost it. And its still bloody raining.

  69. JPK

    5th Mar, 2010 at 12:49 am

    I want to file a class action lawsuit against these skum bags, known as Microshaft. The Xbox live account management settings are completely and intentionally misleading. No place to remove cards. When activating a prepaid card on 1/25, im billed for monthly subscription on 2/17… wtf? Turns out any subscription update cancels your last one, without any warning or without any knowledge. Apparently its in the terms and conditions “fine print” , says the customer service rep I spoke to today. So I paid full monthly membership for oh 8 days. Not only that, but when I demanded my credit cards be removed, she directed me to do so via the console or the billing.microsoft.com website(2 blatant lie), and eagerly tried to get off the phone. Ive already tried both, and therefore forced her to stay on the phone until I looked at the billing site once more. When I tell her there is no possible way to do such a thing on the billing website… “Please hold.” Finally she comes on the phone, and coming to the point of hostility, discloses that I can do this in market place website. Ah! To my avail I could remove my cards… all but one.. the only one that is currently an active card.
    MS Customer Service reps lie to you on the phone, and become hostile when you question the unfairness of their billing methods. They beat around the bush and try to avoid ways for you to remove your credit card info, all so they can screw you by charging extra months when you dont realize. Screw you Xbox Live and screw you MS.

  70. Oliver

    11th Mar, 2010 at 3:48 pm

    I am really very appaled by this. I have never come across such a terrible online billing service in years and to think that one of the largest companies on the planet is running it makes me sick.

    I think I found an easier way to cancel your recurring sub, one of the very few options you can change is your credit card expiration date, so I set that for the month before it is due to bill me again and im hoping it doesnt.

    I doubt that I will ever use this service again though as it is so terrible.

  71. dave

    15th Mar, 2010 at 1:44 am

    Hey so microsoft is bs, im afraid my xbox live account will be hacked becuase its happened to alot of the ppl on my friends list and i dont want my moms credit card getting billed if it does. They say the only way to remove it for my situation is to cancel my gold xbox live membership and i think thats BS because i really dont wana get rid of it, i have like 12,000 gamer score on there and ik that really doesnt count for anything but like its the profile that all my games are saved on….is there anybody who can help me!

  72. ryan T 94

    15th Mar, 2010 at 8:18 pm

    hey i got my xbox account suspended because i didnt update my credit card info, so i got a pre paid card but it will not let me renew it or reinstate my account , what do i doo

    cheers .

  73. Seth

    17th Mar, 2010 at 10:07 pm

    Hello I think I may have found a solution to all of our problems and with little effort!

    Well first off

    http://majornelson.com/archive/2009/07/29/how-to-turn-off-xbox-live-account-auto-renewal.aspx

    This will help you turn off auto renewal so you dont bounce your account and get it to stop charging you monthly.

    Keep in mind when you goto xbox and goto the reoccuring account page you have to press ‘Next’ at the bottom two or three times before you can get them to finnaly let you click ‘No’ and ‘Confirm’

    My second problem may be the one most people are having. I put my card information into xbox live and I didn’t feel safe with my information saved on his xbox. So what I did was I went to the xbox site, same general area and went to cards. Naturally I tried the ‘DELETE’ option and of course it won’t let you delete a card if theres only one. I ended up pressing ‘Edit’ altering all of my card information(besides few things it wouldn’t let me like card type) so if they try to use it it won’t work.
    Hopefully this helps.
    It put me at ease.

  74. Tristan

    21st Mar, 2010 at 3:31 pm

    on my account info page with the list of credit cards, the “remove card” option isnt even there. and im suspended from live until i fix it. the xbox live people are complete assholes.

  75. robert

    24th Mar, 2010 at 7:56 am

    hi after getting a elite for xmas i joined xbox live, of course that gives you 1 month free gold. i had used my moms card to buy some points (forza 3 dlc) and was browsing the spotlight channel i wanted to have a look at the deal of the week which was 12 month gold. after i realisted this i went to press B but hit A instead thus it giving me gold for a year. after telling my momshe went to the bank and told them to block microsoft from her account now 2 month later (somehow) i have been banned from live and have tryed to remove it via the website. can anyone help?

  76. lacedsmoke the legend

    29th Mar, 2010 at 9:36 pm

    i removed all of mine except one that says.

    An outstanding balance exists on this payment instrument. Please try again later.

    but i guess it because my year live subscription is still active thanks for letting me know that.

  77. Peter R

    2nd Apr, 2010 at 10:57 am

    WE HAVE BEEN SUCCESSFUL! PLEASE READ ON

    Like many parents (I’m sure) we have 2 naughty and chastised kids! who have been spending on our credit card on x box live without our permission. We had entered our credit card details on 2 separate accounts and paid monthly/quarterly subscriptions and Microsoft points via this method.

    We decided this week to remove card details from both accounts and go over to paying by pre paid subscription and points cards, which the kids would have to pay for out of pocket money. So, signed into accounts and tried to remove details of current card without success. Having discovered this forum we became somewhat disillusioned based on experiences and having tried immediately to remove cards as suggested by others. All attempts failed to remove on line, so tried a couple of phone numbers we discovered on the web, but got frustrated with responses.

    Slept on it and then took the following steps which have proved successful and I hope will prove useful to anybody reading this.

    1. Purchased pre paid gold membership and points from high street ‘GAME’ shop.
    2. Rang Microsoft customer support on this ‘free’ number. 0800 5871102
    3. Got through pretty quickly after the usual pressing of a few digits in response to a recorded voice giving out instructions.
    4. Maybe we were lucky, but spoke to a very nice man in their Indian call centre who couldn’t have been more helpful.
    I told him that the kids had been given pre paid gold membership cards for presents and wanted to activate these. I asked if this would present any difficulties as we had credit card accounts which were due to renew subscription in a few days.
    5. He called up the accounts and advised that he would immediately take steps to ensure that the credit card subscriptions would be ‘turned off’ on the days (April 1st and June 5th 2010) when they were/are due to automatically renew.
    6. April 1st arrived yesterday and son 1 went live on his X Box and a message came up on his screen to say his Gold membership had expired and so he then entered his pre paid Gold membership card number and hey presto his Gold membership was instantly reactivated.
    7. Our nice customer support man had advised that once this had happened we would be then be able to go to X box.com and delete the credit card details from this account.
    8. April 2nd, just signed into my sons account via X Bx.com and went to card details via managing account as advised by others and clicked ‘Remove’. Message pops up’ do you want to do this’, confirmed ‘Yes’ and card details have gone.
    9. We were also informed (by the nice man) that if this didn’t work via the computer we could phone this number again, quoting a reference no. he had given me and they would delete the details, which has not proved necessary.
    10. We now await June 5th when our other son’s account is due for renewal to see if our nice man’s word also holds true! and we can also delete card details from this account following the procedure as described above.
    11. The 2 morals are ‘don’t panic’ as we initially did. By phoning the number above we seem to have resolved our problem with, it has to be said, excellent and clear advice from Microsoft Customer service. Also, go over to pre paid membership cards and points ‘DONT TRUST YOUR KIDS!’ get them to pay with pocket money, etc. We are all slipping into the trap of letting kids not understand the real value of money. Yes, we are all being controlled by the Multi Nationals (I know that) and I’m not the type to go self sufficient and live on a remote Scottish island so you have to learn to live with the SYSTEM as best you can. Hopefully you will be less distressed if you follow our advice/steps above. Good luck!

  78. Blake

    5th Apr, 2010 at 4:03 am

    Today after several messages from xbox live telling me there was an error with my payment method. I was suspended from live because of issues with my payment info.
    The card has since expired and we have a new account, after trying to find in vain to cancel the card on line or via xbox. I came to this website. Live will not let me remove the credit card, i have to edit or add, i guess microsoft will not let me REMOVE. There is no remove option on the pages i was told to search above. PLEASE help me, I want to remove the credit card while keeping my already paid for(through credit card) one year account that ends in february.

  79. TS

    10th Apr, 2010 at 12:46 pm

    I agree with the above comment, i too cannot access xbox live due to an error in payment and i do not have the option to remove a card, this is so annoying.

  80. Brian

    25th Apr, 2010 at 4:48 am

    Peter R, your solution would have worked for me, but to save money I got yearly memberships instead of month to month, so when I decided 3 months into the annual membership (which was already paid in full with the CC) I didn’t want my CC info on my son’s console because he was abusing it, my ONLY choice would have been to switch to a pre-paid membership and immediately activate it, thereby ENDING my Paid In Full yearly membership 9 full months early. That is an absolutely improper and unacceptable business practice. There is NO reason that I shouldn’t be able to simply hit a REMOVE link to DELETE my CC info without changing or affecting ANYTHING else. My yearly membership was paid in full. It is irrelevant how I paid for it. I should be able to simple delete my CC info.

    Instead I did what I should have done on day one before dealing with the MS idiots for several days. I reported my card lost to the CC company and they immediately sent me a new one with a new number. My son’s membership is still active, no more downloads from xbl without my permission, problem solved. It’s just pretty damn sad and disgusting that I had to CHANGE my damn CC number to get it off xbl’s site!

  81. helpme!

    29th Apr, 2010 at 9:02 pm

    emh… plz help me what do U actually mean with “they may have an active subscription using their credit card that needs to be cancelled first.” ???? plz help me!!!!

  82. Hamish B

    2nd May, 2010 at 1:17 pm

    i tried what u sed and it doesn’t give me choice of manage profile =/

  83. AdvisableFrame

    8th May, 2010 at 7:57 pm

    i followed the steps and as soon as i got to the “Update Account”, it only says Edit, not remove! im really pissed right now!

  84. twade

    10th May, 2010 at 1:58 am

    In the account managment section there is also a tab for Membership Level. In the membership level section it gives you the option to turn automatic renewal off. Just go through the couple of screens clicking “next” and then it changes it for you. So far so good, i have not been charged yet.

  85. Mark Grills

    15th May, 2010 at 11:40 am

    Hi, Thanks to people here who have offered advise on this issue.
    I love my xbox (we have 3) but I should have the right to switch from credit card to pre-paid card subscription.

    If you are UK based and have supplied a credit card

    You Cannot disable auto renewal (underscore link absent, repeat click does nothing)
    You Cannot remove credit card
    You Cannot downgrade membership level
    The only way forward is to cancel the credit card.
    Please please if you share the convictions above we need to be pro-active. I am currently researching Legal support agencies Citizens advice/National debt services for advise on how to file some kind of petition against Microsoft
    OFCOM deal with telecommunication related complaints but don’t appear to extend beyond broadband services etc. If anyone can figure this out I will sign the petition today.

  86. zach

    29th May, 2010 at 3:46 am

    So i booste halo 3 and a while back i traded accounts with a freind bc he wanted a better 1 and i wanted his . he just canceled the card no prob and we traded recently the account has been suspended and it wants me to change payment options but it wont let me put a prepaid card on until i fix te card thing theres three cards on the that i have no inteention of ever using bc they rnt mine but i couldnt neway and i cant remove them bc it wont let me and yeah i fail any suggestions ?

    • Weefz

      29th May, 2010 at 10:49 am

      Zach,

      Ring them up. Billing contact info here. Probably best not to confirm that you’ve been trading accounts though.

  87. Cody

    29th May, 2010 at 8:15 pm

    I accidentally added a payment for 12 months on my debit/credit card(which is actually a debit card) while trying to remove a month to month payment.

    My dilemma is that every time I try to remove them a statement is made saying this, “An outstanding balance exists on this payment instrument. Please try again later.” I cant cancel it no matter how many times I try… -.-

  88. Pissed off!

    31st May, 2010 at 1:33 pm

    This is just Shit!!! i logged on and looked in the same place for Account Management and it wasent there…. right under My forum?!? NOT THERE! nothing only 5 options with Account Management not one of them!! But when i found my waay around a find month to month not update your credit card because thats not THERE! There is no remove!! im going to but a effing PS3 if this dosent work for me soon! i HAAATEE Ps3 to!

  89. Pissed off!

    31st May, 2010 at 1:56 pm

    Tristan Says:
    March 21st, 2010 at 3:31 pm
    on my account info page with the list of credit cards, the “remove card” option isnt even there. and im suspended from live until i fix it. the xbox live people are complete assholes

    ^^^^^^^^Some ONE NEEDS TO TELL USE THIS^^^^^^^^^^^
    No playing intill we get this fixxed and iv read down threw and seen no one anwsering this! Im Seeing why people are thinking this whole website it fake….. Help Us!!!

  90. Weefz

    31st May, 2010 at 4:37 pm

    Hey Pissed Off dude. I had a look at the Xbox Live website – looks like they’ve changed the way you reach your credit card info again. I’ve updated the info above; thanks for letting me know that it’s changed.

    Some other people are also reporting that the Remove option isn’t there. I can still reach it so all I can say is try to ring them up. Best of luck!

  91. bs

    7th Jun, 2010 at 2:18 am

    i got a fraud from someone posing as bank of america, and now that i cancelled the crdit card, i can’t delete the details, all i can do is add another, and i don’t have another.

  92. Chomp

    15th Jun, 2010 at 5:29 am

    *CONFIRMED WORKAROUND FOR INABILITY TO REMOVE CREDIT CARD INFO*

    *STORY*
    I had a monthly recurring subscription and decided to switched to prepaid cards. I occasionally use or allow other people to use my LIVE gold account at work for testing purposes, since I work for a video game developer that develops games for the Xbox 360, and didn’t want my personal credit card info tied to the account.

    I added a 1 year membership card to my account and then discovered that it was impossible to remove my credit card info until the (now 1 year and 15 day) membership expires. I called support and was told they’d have to downgrade the account to silver and I’d have to wait for their escalations department to send me a new 1-year membership code (no gold account active until they do it – and it seemed likely that the code would be for exactly 1 year and not include the partial month of subscription time I have remaining). I told the woman not to bother and she said she would document my feedback about their policies and process being absolutely ridiculous.

    *SUCCESSFUL WORKAROUND*
    I went to my credit card company’s website and created a temporary credit card number for online shopping with a $1 spending limit (for FIA Card Services this is called “Shop Safe”; lots of CC providers offer this feature now). I added this card to my LIVE account and was able to remove the previous card. After that, I logged back into my credit card company’s website and deactivated the temporary credit card number. Microsoft can have fun charging my $1-limit non-existent credit card. They can also suck my fat sack.

  93. IS

    16th Jun, 2010 at 5:50 am

    Hey, I just found your post and can’t believe what I’m seeing. My kids told me they couldn’t even find the area on the Xbox where they originally entered my credit card. I’m kind of curious: If someone stole the xbox(or we end up selling the dang thing), my credit card info is still on that box somewhere? Or is it associated with some account that they log in to. Not being an xboxer myself and having foolishly given my kids the card # once, I now feel really ripped off when I see charges every now and then for $19.99, $9.99, etc. My kids feign ignorance, at first, and then admit that they “might” have purchased something from xbox live…. arghhhh!

  94. JABIR

    19th Jun, 2010 at 7:51 am

    HOW DO U DELETE UR CREDIT CARD DETAILS FROM WITHIN DE XBXO 360 ???

  95. matt

    24th Jun, 2010 at 6:34 pm

    im trying to delte the card info, but it’s expired, i had intended to onl have live for a month so i got the one month, but it auto renewed every month, i can’t switch that off either. will the account stop once the card is expired?

  96. BENNY

    24th Jun, 2010 at 8:56 pm

    Thank you very very much, great help ! thanking you !

  97. Matt

    1st Jul, 2010 at 2:56 am

    when i go to my credit crad info it doesnt show the link to remove :/

  98. Carlos

    1st Jul, 2010 at 2:47 pm

    Hmmm, I’m trying to remove my credit card as described above, but strangely, after i go to “Manage payment options” it says “you have no credit cards on file”.
    Thats funny! i was charged for something the other day!!
    These people are criminals!
    I’m now going to phone my bank and say i’ve lost my card.

  99. Alex P

    3rd Jul, 2010 at 8:19 pm

    This is outrageous I tried deleting it via the live site it just says ‘An outstanding balance exists on this payment instrument. Please try again later.’ It’s not outstanding, I just paid it. So I changed my card name to ‘Illegal transaction’ as that was the only field I could edit and they still managed to steal my money…

  100. india loka

    4th Jul, 2010 at 7:36 am

    trying hard to remove.. says check back later :(

  101. Awesome

    5th Jul, 2010 at 12:33 am

    I edited my information about the card so hopefully that will keep it from being charged. Changed my name to Mike Hunt, my address is 888 DeezNuts Rd. and I am from Beverly Hills, CA 90210!

    • thatguy

      1st Aug, 2010 at 9:59 pm

      i just called customer service i called right after i was charger with the subscription they gave me a refund because i called near the time it happened and they deleted the card just call customer service, it took 20 min but i got my money back

    • Mr B

      3rd Feb, 2011 at 7:44 pm

      Hey had the same thought and done it myself, just wonderd if it worked or not as i just discovered that i payed £15 for live. Aint liking the thought that microsoft wont let you get rid of your card details online or anything and have to ring up customer services… very shoddy wouldnt of thought a multi billion industry would do some thing like that.

  102. Lewis

    7th Jul, 2010 at 12:58 am

    ok guys … i just had a thought if microsoft will not let you remove ya card payments by this … because i am getting the same message
    *this payment method cannnot be removed*
    can you just go to your bank and cancel it there and stop givin microsoft the momey out of your account!? will this work or not it just a thought =)

    • Stephen

      27th Jul, 2010 at 9:43 am

      Yes that would work but that gives you the hassel of renewing and geting a new card and that could take upto a week without using your card unless you go to the bank everytime to get some money out.

    • PhoenixRizez

      10th Aug, 2010 at 12:41 pm

      That’s how I had to do it; reported my CC lost / missing and had my CC company issue me a new CC number. I tried every method mentioned by every person on this blog and it just plain wouldn’t work. Phone call to XBL, ha!!! That was a joke; a total waste of my time. Canceled the auto renewal, read every page of this blog and tried every suggestion. Spend WAY too much time trying to figure it out. I got close to fixing the problem online, but I would have had to cancel the existing membership that I paid for with the card (and I was only one month into a one year paid membership). Luckily for me I have several CC’s and the one I had attached to XBL was a card I don’t use often. Two minutes online at my CC’s website reporting it missing, 3 days later a new card in the mail, no more charges from XBL and my one year paid membership was unaffected. I should have done this FIRST!!! It’s just pathetic that this is the route I had to take to simply remove my CC from the account. Someone needs to file a class-action lawsuit; any lawyers out there?

    • David Langford

      11th Mar, 2011 at 4:44 am

      no that does not work. You may stop the payments but microsoft will keep billing the card. You will soon have a bill of money from them billing you. The money just stacks up practilly. You acually have to call or remove your card from microsof

  103. Adryan

    7th Jul, 2010 at 5:03 pm

    I just canceled the auto renewal off. Just go to your account it’s under membership level. I love XBOXLIVE but hate their customer service & no refund policy. I’m switching to PC gaming for now they had me with the $5000 points I wasn’t able to redeem.

    • grant

      18th Jul, 2010 at 4:34 am

      how did u turn the renewal of as i dnt know how too

      • Debbie "Weefz" Timmins

        18th Jul, 2010 at 11:17 am

        Hey Grant,

        I’ve just had a good look around the Xbox.com site. Looks like they’ve now removed that option from both the website and the console menus. You’ll have to ring them up.

  104. Mikey Dillon

    9th Jul, 2010 at 6:06 pm

    it keeps sayin
    An outstanding balance exists on this payment instrument. Please try again later
    an i try later an it stil doesnt work what do i do ?????

    • Debbie "Weefz" Timmins

      18th Jul, 2010 at 11:22 am

      Have you cancelled the auto-renewal on your account yet? That might help. Otherwise, better ring them up or contact them through the Support section of Xbox.com

    • Tommy

      18th May, 2012 at 6:48 pm

      It’s great to find an expert who can elpxian things so well

  105. Hit IT

    16th Jul, 2010 at 1:13 am

    I have tried several times to delet the credit card off my xbox and it wouldnt let me . one of my friends account got hacked and they spent 700$ worth of ms points. I felt bad after his parents found out=(

  106. johnny boucher

    28th Jul, 2010 at 11:45 pm

    hey guys .. im on a month to month renewel and when i try to remove my credit card it says ad outstanding balance excsists? how do i remove it?

    • Debbie "Weefz" Timmins

      29th Jul, 2010 at 12:20 pm

      Hey Johnny,

      Unfortunately, the only way to cancel your auto-renew these days is to call up Microsoft Support. They should also be able to remove your card.

  107. johnny boucher

    29th Jul, 2010 at 3:59 pm

    thanx debbie im going to get on to them tomarrow

  108. Rihari joyce

    2nd Aug, 2010 at 9:40 am

    Hey guys I’ve been thinking. Ok I get it that microsoft has a hard system on removing your credit because they want to make shore that people pay their money for the xbox live month and that if the credit card cannot be charged they want you to be unable to take your credit card off untill it has been payed. But why in this time are you also not able to remove the auto renewal so they bill you every month and you can’t stop the auto renewal.

    For microwsoft to really be a great company people need to be able to stop the auto renewal anytime so they are not continuly billed and also are able to stop payment to the credit card from there acount by a new created password confirmed by email of their choosing. So maybe a new email if your acount has been hacked. But then people maybe able to shut off your credit card but why if you have been hacked would that be a bad thing.

  109. JIm

    5th Aug, 2010 at 4:37 am

    i turned off automatic renewal, but it wont let me delete the card because of the “outstanding balance” thing. im pretty sure my mom cancelled this car a long time ago and i keep getting xbox live messages saying the card isnt working. so i think im safe

  110. billy

    5th Aug, 2010 at 8:27 pm

    it says to much of an over balance

  111. albert

    12th Aug, 2010 at 2:02 pm

    inj order to turn auto renewal off you got to got to membership level under my accounts and scroll to the bottom. Keep clicking next until you see turn auto renwal on off click off they even offer you some banging deals like a year for 5 bucks but thats up to you…then your done.

    • albert

      12th Aug, 2010 at 2:02 pm

      you also have to click on the on button if its on srry i had to add that in

  112. Pingback: Xbox Live 12 Month Gold Memberships – Best Deals - The Average Gamer

  113. Ikonia

    24th Aug, 2010 at 1:40 pm

    I closed my credit card for unrelated reasons and am currently up to 10 days of free xbox gold lets see how long it takes for them to try and get the money out of me…….I’m not paying them a dime

  114. Dannyo

    1st Sep, 2010 at 9:29 pm

    I had xbox live for over 3 years and im sick of getting over charged for the same things you can do on ps3 for free.I tried to remove my credit card and they charged me a 30dollar cancellation fee!? Im done with xbox.

  115. cj

    3rd Sep, 2010 at 8:58 pm

    they should atleast have the courtesy to call it bull**** i keep getting server errors or it reroutes me through eight “continue” pages which then leads to an error message AAGGH!!

  116. cobycap

    15th Sep, 2010 at 8:30 pm

    If you can’t remove your credit card at xbox.com, go to https://billing.microsoft.com and log in with your Windows Live ID. Here you can transfer balance from expired card to a new credit card by selecting the expired credit card and select to transfer balance to a new card. The expired credit card will then be removed.

  117. Krishan

    23rd Sep, 2010 at 3:36 pm

    Hi, i too have the same problem as you all, when i sign into xbox live a message appears saying:

    “There is a problem with your payment option. Please update your payment information to continue your Xbox LIVE membership.

    You have two options to update your Xbox LIVE membership: edit an existing payment method or add a new one.”

    It wont let me use a prepaid code or even remove my credit card details. This is honestly ridiculous, I feel like microsoft are messing us about and its so much hassle.

    • dkpesmerga

      3rd Oct, 2010 at 2:15 pm

      i too am haveing the same issues, used my brothers old card before he moved out, with permision, went and bought a timecard to switch over to when he canceled his card and the month ran out….

      and now i cant do anything besides adding a new credit card or updateing the existing one.. wtf, LET ME INPUT MY DAM TIMECARD !!!!

  118. Harold Calveiro

    3rd Oct, 2010 at 2:05 pm

    it says on my screen update profile but i dont want to update it with credit. i want to redeem a code but it doesnt let me

    • Chris

      11th Nov, 2010 at 6:35 am

      I am having the same problem. I try to remove my credit card, but it keeps saying that my credit card has an outstanding balance or something. I bought a 3 Month Card and it wont let me redeem it until I remvoe the credit card

  119. Patrice Marsh

    20th Oct, 2010 at 2:42 am

    Albert (no. 11) is right I followed his directions and when in doubt kept ignoring everything and clicked next and finally was able to turn off the automatic subscription. They sure don’t make it easy to find.

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  121. lekilla

    7th Nov, 2010 at 4:31 pm

    My card expired = problem solved

  122. alec

    13th Nov, 2010 at 9:33 am

    when i go to my account on xbox.com and i go to manage account it says “uh oh, that shouldnt of happend, it appears you found a glitch in the system” its really annoying and i just want to turn my auto renewal off so i can games, someone help

    • jayson

      19th Nov, 2010 at 4:46 am

      it just means that your cookies are disabled from being shown…. just go to the settings of the browser and just allow cookies to show

  123. manuel

    19th Nov, 2010 at 4:21 pm

    it still doesnt work those pigs are stealing my money still. i click remove and it says “An outstanding balance exists on this payment instrument. Please try again later.” why?
    and i havent bought anything

  124. RyuRayne

    21st Nov, 2010 at 7:53 pm

    I had a problem where my old debit card was on there and it kept trying to charge it but it didnt exist. it wasn’t anything serious, just a major pain in the butt. So i went to the website and tried to delete it but it said “This payment option cannot be removed at this time. Please contact Xbox LIVE Customer Support.” So i went to https://live.xbox.com/en-US/Account then clicked on Upgrade/Manage Account and sort of “resubscribed” and choose the correct credit card for it to charge. THEN it allowed me to delete my old one. Hope this helps.

  125. RyuRayne

    21st Nov, 2010 at 7:54 pm

    oops, it didnt say “This payment option cannot be removed at this time. Please contact Xbox LIVE Customer Support.” it said “An outstanding balance exists on this payment instrument. Please try again later.”.

    my bad.

  126. Duncan Smith

    23rd Nov, 2010 at 12:26 am

    ok i am trying to get the credit card removed and it keeps saying i need to pay the baance or somthing like that
    so can anyone just let me know how to change automatic renewal to off so then the problem will sort of be solved

  127. Zach Holmes

    25th Nov, 2010 at 1:50 am

    is this right ..?
    you have to update your account with a prepaid card before you can cancel your credit card ?

    • Debbie "Weefz" Timmins

      25th Nov, 2010 at 11:35 am

      Not exactly, Zach. You can always phone up customer support and request they remove your card. It seems that you can’t turn off auto-renew online without providing an alternative form of payment.

  128. Blake

    26th Nov, 2010 at 6:55 am

    Hey guys, I can’t even call the support.
    It says cannot connect, please check the number and try again.

    Any help?

  129. Kenny

    1st Dec, 2010 at 6:27 am

    worst customer service ever. if it wasnt for reach id be canceling my year membership right now

  130. 360Uniter

    7th Dec, 2010 at 4:42 am

    Okay so i took off the auto renewal and it said my live would end december 2nd… its now the 6th and i can still get onto xbox live? talk about a serious scam or mabye just free live?

    • Debbie "Weefz" Timmins

      7th Dec, 2010 at 12:55 pm

      Yup, it’s probably free Live. See if you can play online multiplayer – that’s most of the difference between Free and Gold.

  131. QJ

    14th Dec, 2010 at 8:32 am

    OK I got it done myself.
    1. Call the customer service make them do it. They will state you have to cancel your account before the credit card information is removed. If you cancel in the first 30 days they will still hold your information because they will refund the purchase back to your account. Of course you are angry because they are holding your credit card information and have the auto billing option on the site on the xbox360live site.
    2. Go to this site http://www.gamesforwindows.com/en-US/ and act like you are going to buy something after you sign in. When it asks you to checkout, it will bring you to your credit card information screen. Luckily, there is a delete option that actually works, so you can delete your credit card information. (unlike on xbox live billing which does not work) If ever in my life I get Live again or anything with Microsoft. I will buy the store gamer card. This is too much of a hassle.

    • Rachel

      23rd Feb, 2011 at 11:45 pm

      So I did the second step that you did. Though it told me it was removed and such stuff, but it says also something like your info is stored for historic reasons? WTF, will that ever go away?

    • Ward Muylaert

      19th Jun, 2011 at 12:13 pm

      gamesforwindows doesnt work in my area, sigh

  132. Jonezi

    25th Dec, 2010 at 11:00 am

    I cant remove my payment card because of outstanding credit on it, could I buy a 12 month subscription from a shop and redeem the code then pay outstanding credit and remove or do I have to pay the outstanding credit before I can redeem any other memberships?

  133. Bob

    29th Dec, 2010 at 6:26 pm

    Thanks guys! this helped so much!

  134. Jovanni

    2nd Jan, 2011 at 12:38 am

    i have a 12 month subscription … if i cancel my credit card will it cancel my subscription also … ive had it for 3 months

    • Debbie "Weefz" Timmins

      2nd Jan, 2011 at 1:08 am

      Nope, you’ll still need to call Microsoft and cancel. Last time I asked at the bank they said it was something to with anti-fraud measures. No, I don’t get why either.

  135. Jovanni

    2nd Jan, 2011 at 12:39 am

    someone tell me please

  136. alex saxby

    2nd Jan, 2011 at 1:43 am

    it says i have an outstanding payment what shall i do

    • alex saxby

      2nd Jan, 2011 at 1:45 am

      An outstanding balance exists on this payment instrument. Please try again later should i wait or keep trying

  137. box582

    2nd Jan, 2011 at 2:11 pm

    No longer can cancel online.
    Must call their “sales” staff at 1-800-4MY-XBOX or (800) 469-9269

    Have ready:
    GamerTag
    Last four digits of the credit card used (can be seen on the account page on your xbox)

    They will try to sell you renewal offers. After finding out how to cancel online, and already having what was needed, it was a 20 minute sales call. (The email I tried to cancel with lead to simply stated “I would like to turn to automatic renewal off.” The return email stated, “Be advised that by cancelling the account, you will lose any remaining time on the service in addition to your gamertag and game rankings.” Not true, but should they be threatening to delete services provided with the xBox Live Silver (free)?

    Canceling could be as easy as not having to auto-renew.
    Canceling could be as easy as turning off the auto-renew button on the xBox.
    Knowing the account info last time, I was able to cancel online in less than two minutes.
    This is not a business practice that should continue to spread.

    Please help others by reporting this act to your consumer protection agencies.
    Feel free to record the call for youtube.

    US citizens, I reported to the FTC. You don’t need to give out any information, just let them know your experience with canceling.
    https://www.ftccomplaintassistant.gov/

  138. Tricia Fields

    13th Jan, 2011 at 4:53 am

    Just wanted to chime in and say that I’m getting the same outstanding balance message on the credit card that is on our account–but we’ve never used it to pre-pay for Live. We’ve always used the store card. I used the credit card one time to buy some kind of upgrade for my son and now I can’t renew his Live account with a pre-paid card because I “owe” on the credit card. Come on, it’s a credit card for goodness sakes. There’s no such thing as an outstanding balance to a vendor on a credit card. The only business you owe an outstanding balance to on a CC is the CC company itself. WTH are they trying to pull this time?

  139. baz

    31st Jan, 2011 at 5:12 pm

    thanks for the guide – i used it!
    Beforehand I was doing this via a slightly different route, and getting errors from their crappy website. Seems ok via this method.

  140. Harry

    10th Feb, 2011 at 3:43 am

    What the…I need call X box live’s Support? But I’m deaf and I can’t even talk on phone…

  141. Dave

    10th Feb, 2011 at 5:59 pm

    Same issues here:
    Cust service tried to sell me stuff for 20 min. When I forced them to change the renewel they billed me $230, then removed it except for 10Cents which binds up the credit card.

    Summary for 1/14/2011 – 2/13/2011
    Beginning balance: $0.00
    Purchases/Fees: $231.95
    Payments/Credits: ($231.85)
    Current balance: $0.10

  142. slade0764

    14th Mar, 2011 at 10:31 pm

    This is a strong arm crime XBOX is doing by not being able to to turn off this Auto feature.. there raking in millions.. going to call my congress or governer.. its stealing..I used a credit card to join the membership .. not to have all types of charges added to it. and they dont let you delete it or remove the auto feature…

  143. tyler

    19th Apr, 2011 at 8:26 pm

    xbox is sooo fucking gay it wont let me change when i click change payment options it says there has been a glitch! and it wont let me change it!

  144. Pingback: Sony’s PSN Hacked – What Should You Do? - The Average Gamer

  145. Danny

    5th May, 2011 at 11:11 pm

    If I deleat the profile will the credit card be deleted also ?? Please Respond

  146. Matthew

    12th May, 2011 at 10:36 pm

    No deleting the gamertag will not delete the credit card details.Tried once before as well still being billed.My problem is I cannot remember my gamertag name or sign in details so xbox live will do nothing for me.They are still billing my debit card even though it is expired.

  147. Tim

    28th May, 2011 at 3:39 pm

    I just called my CC co. and had all xbox purchases blocked.
    g/f’s son keeps making unauthorized purchases…
    Will this prevent xbox from any further charging the card or will it bind up the credit card in any way??

  148. Mike

    9th Jun, 2011 at 9:31 am

    This payment option cannot be removed at this time. how am i meant to remove this credit card, ive turned off autorenewal by calling xbox live support and even now it wont delete, could someone please tell me how

  149. Pete

    18th Jun, 2011 at 8:54 am

    I feel I was tricked into signing up for monthly payments, I thought I would try it out as they offered me a month for 99p, thought that was a good price to just try it out, should have read the small print :(

    Anyway, tried removing my card details but as others pointed out it says outstanding balance(strange as I thought you paid monthly in advance!) kept looking around and found a way to pay the outstanding balance, went back to remove card details, but still they will not let me!!!! The only way is to call their special number, and from what I have read its no help, they want all different details and even after that I saw loads of people were still being charged!

    But this is where I got sneaky ;)
    If you have a paypal account you can pay monthly with that, so once you have added your paypal details you can then delete your other card details, what’s the point in that? Well, log into paypal and delete that payment.

    My last email from them :)

    We are contacting you because we have been unable to charge your PayPal Account for your Gold – 1 Month service(s) being billed to you through Microsoft Online Services. The following PayPal Account is the current payment method on your billing account:

    PayPal Account: ********************************

    PayPal Billing Agreement Id: *************************************

    To avoid an interruption of your services or to reactivate suspended service(s), please provide a valid PayPal Account. If payment is due for other Microsoft services purchased with the above PayPal Account, those services may also be affected.

    To check pricing details, and to confirm your account information and payment options, go to: https://billing.microsoft.com
    If you have already resolved this issue, please disregard this notice and accept our thanks.

    Thank you for using Microsoft Online Services.

    Xbox LIVE Team

  150. riley

    20th Jun, 2011 at 7:01 pm

    everytime i try it says i found a glitch in the website

  151. Ben

    1st Jul, 2011 at 11:22 am

    Thank You ^-^

  152. Lucas

    6th Aug, 2011 at 5:13 pm

    it wont let me remove mine it says, an outstanding balance exists on this instrument, help!!

  153. you

    18th Aug, 2011 at 2:47 am

    same lucas, what do i do

  154. dude

    22nd Aug, 2011 at 10:28 pm

    When I press “remove credit card info” it says that I can’t because an “outstanding balance exists”, please help/

  155. Smart Guy

    28th Aug, 2011 at 3:38 am

    I had the same problem but turned off automatic membership renewal and im thinking it still needs to charge the VISA. like i got this message at the ime of purchase saying your VISA will not be charged yet. i think beause they promise not to store personel info, they just dont allow you to remove the payment info until it has been payed for. HOPE THIS HELPS

  156. jordan carter (SOMEDODY JUST)

    12th Sep, 2011 at 9:04 am

    i have tried removing the card but i cant it says -An outstanding balance exists on this payment instrument. Please try again later.- and now im suspended because of it.

  157. Sefrugon

    13th Sep, 2011 at 4:14 pm

    I managed to remove the credit card!

    All I did was link my PayPal account. When it is appears below your credit card (Main Payment), click on “Apply Membership”, this should now make PayPal your main payment source. It should read beside it “Currently used for : Gold – 12 Month.

    This should downgrade your Credit Card to “Currently Used : None ” , you should then be able to click remove and then……TaDa! Goodbye Credit Card.

    I only needed to remove as I paid off my Cred Card recently and do not want any phantom payments coming off. PayPal is much more convenient for me. I assume you would be able to remove this with no problem ( alot easier than the Credit Card fiasco!) But dont hold me to that.

    Hope this helps

  158. Pissed off customer

    21st Sep, 2011 at 12:31 pm

    Microsoft are fucking cunts i mean cmon ripping millions of people off because you csnt even remove your fucking credit card, fucking only way they would listen and do something about it is if we tried to get together and sue them but eityer way it gives you a number to call and no one ever picks up the phone and if someone ever did pick up they would probably redirect you for an hour and it would probably be a fuckig overseas $500 call!! Fuck microsoft

  159. Im So FUcking ANNOYED

    22nd Sep, 2011 at 9:53 am

    MICROSOFT stop trying to take are money who dah fuck wantz u to “AUTO” take are money? itz so much better if you let us manually do it… FUCK YOU MICROSOFT for making something a 5 second step, 30 minutes of talking to some Indian chick about canceling this Crapy video game thingy.

  160. Dyer

    10th Oct, 2011 at 7:59 pm

    I have been through this drama before with Microsoft, How you get it removed it call Microsoft Billing Support.
    They will direct you to Microsoft’s Billing site and you will log onto your xbox live account With you email and password you used to create the account. Then you will have to pay the outstanding balance on the account (The money you owe them for a missed payment ect..) Then once that is payed you will be able to remove your card.

    I suggest just buying card from stores that way you don’t have to deal with this again.

  161. yester64

    18th Oct, 2011 at 3:43 am

    I feel really disenfranchised with the measures MS takes.
    Isn’t the CC my card where i should have the right to remove it without question? Now i linked it with paypal too but can’t remove paypal. Or course.
    I will buy a cheap member card, add it and see if i can remove paypal then.
    Before you were able to at least change the autorenewel, but that doesn’t work anymore.
    Is Sony as painful as MS regarding this? I really hate the Xbox now.

    • Kristi

      25th Oct, 2011 at 6:56 pm

      No, Sony is NOT as painful as MS. You’re not even charged for online play in the first place on the playstation network, and I have had no issues in removing credit card information.

      This is why I will always buy my multiplayer games for the playstation and not xbox, this is absolutely ridiculous. I have been on hold for nearly ten minutes.

  162. Kristi

    25th Oct, 2011 at 7:06 pm

    I am sitting on hold right now – I tried all the different things I saw on this site, as well as others, to try and remove my credit information the simple way, at current I can see absolutely no way to do this. This is entirely ridiculous, and it seems fairly shady that they wont let you remove credit information as you do so please. We’ll see if I ever purchase xbox live again.

    After about 10 – 15 minutes of waiting on hold I was connected, the guy was friendly enough, but was damn determined to set me up with a longer live subscription, despite stressing the issue I did not have the money regardless of when I would be billed. Mildly frustrating (especially considering the mood I was already in thanks to all this bull), but all in all he ended my automatic renewal. Sorry Live, but I am fairly certain I will not be purchasing you again.

  163. Russ

    1st Nov, 2011 at 9:19 pm

    You cannot remove the credit card but you can edit you credit information. Change the name on the credit card to something invalid, like “Microsoft is crooked” or something just as cleaver and also change the card’s experation date to the current month, so it will be invalid next month. Finally change the security number to 123.

  164. limi

    4th Dec, 2011 at 1:22 am

    hi ppl im from belgium and i had the same problem like you guys the only way what you can do is call your bank and ask them to deactivate your credit card and ask for a new1 with other numbers thats what i did and the ms cant take any money of you

  165. crapsniffer

    6th Dec, 2011 at 4:16 pm

    Got rid of gold membership 4 months ago, still can’t delete credit card info online or via console. I’m switching to PS3, f*ck you Microsoft.

  166. knurre

    30th Dec, 2011 at 11:15 am

    I’ve managed to delete my credit card number. I changed the payment to another card.

    AND for that the assholes charged me with 1€, didn’t see anywhere in the “warning”-text about any extra costs to CHANGE payment method from one credit card to another.

    These things makes me so angry…

    • Matthew

      6th Jan, 2012 at 6:40 pm

      @knurre The 1€, was (more than likely) a holding charge, a lot of companies will charge new cards a small fee for the sole fact of making sure it’s a valid card you’re registering. These holding fees are quickly removed as soon as they have successfully processed. Don’t. Panic.

  167. Manlo Loko

    1st Mar, 2012 at 10:47 pm

    I changed from CC to Paypal as main and removed CC. Then changed paypal email. That will work i think.

  168. yester64

    4th Mar, 2012 at 8:05 pm

    If you change it to paypal (requires a paypal account) you can remove the cc after that. I did it like that.
    In paypal you need to see what agreement it is and cancel the agreement.
    After that you should get a notice several times stating that there is something wrong with your payment information. Disregard it and it will be the end of automatic payment to xbox live.
    I have a ps3 now and one thing i will not do is to pay with cc. Lesson learned!

  169. Joakim

    18th Apr, 2012 at 12:47 pm

    Thank you! :D