i would like to take off all debit card information but it wont let me do so
Hey there, you can't take off your billing information if it's attached to your membership. If you want to use a prepaid card and not have a payment option you need to contact Xbox phone support:
I got that information from here in case you're interested:
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Is your account currently set to auto-renew?
If so, you won't be able to remove the payment option without contacting Phone Support.
For more on removing a payment option, you can check out this page:
I hope this helps.