There is just one problem with that. There never was a payment option on my account! I bought a pre paid code.
...as to your original post, your question can only be resolved by contacting the Billing Department at Xbox Support
To contact Microsoft Xbox Support you may call 1.800.4MY.XBOX or 1.800.469-9269 Mon-Fri [ EST 9AM-1AM ]/ [PST 6AM-10PM ]
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