I've dealt with this issue in the past when I turned off my auto renewal and it was auto turned back on and my bank was over drafted!! Why should I even have to have a card to be a gold member it's complete BS. So it's been off and I asked customer service to make it remain off for good since I had to have a card on my account. Now, probably because I purchased MS points, It went auto back on and I have a mysterious charge on my account.
Why in the world do you make renewal cards when your just gonna turn auto renewal back on for people? It's completely STUPID and I'd expect more from Microsoft. Guess I'll have to make sure I NEVER purchase anything online and use ONLY cards for anything from now on because auto renewal can't stay off. How idiotic. Pretty much a scam if you ask me. Not to mention now I can't even turn it off from my settings online? I have to call? Wow, lol.