You have a lost credit card on file for auto payment. I no longer wish to use ANY card. I buy an X Box Live pre paid card. I have around 10 or 11 months left since I used that card. I can't access my account. Even getting a code from X Box will not get me to where I can get help. I get You found a glitch! Why was my pre paid card dumped? Keep it simple, I'm an old geezer.
Never post your personal information on a public forum. This sounds like a billing issue that you need to contactphone support about forums.xbox.com/.../964344.aspx you can find the number to support in your country by following the link provided
UK Xbox Deals