Here is the scoop. My credit card expired before my Gold renewal date. The folks at Microsoft ran the card anyhow and forced an approval. Fraud and theft. I do not use the Gold services anymore. I have no need for a Gold membership, Silver is more than enough. The website says I need to call some number to change my account. Here is the deal--I didn't need to call anyone to setup the account. Make the change. Stop charging my card.