My Gold membership was suspended and it wont let me change payment methods on Xbox.com or on the console. Help
Check this out and see if it helps.
It's a link for renewing your membership troubleshooting
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You probably got suspended due to having outstanding balance, for not turning off your renewal and you got got charged and you did not either have funds in your account or the card was invalid.
You will have to contact support on the link at the bottom.