If I renew gold every month on XBL via credit card, and auto renewal is on, and my accounts gets perm'd, does it still take the money out for the 1 month XBL every month while im banned?
If an Xbox Live account is permabanned the subscription tied to that account is cancelled. So it sould stop charging for the renewal.
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It shouldn't but just to be safe contact phone support in your region and make sure the credit card is emoved.