How to Remove Credit Card from Xbox Console and Live Account

“I continue to be debited by Xbox Live while my console no longer works.” “How do I remove credit card from Xbox account?” These are questions commonly asked by Xbox users or parents whose credit cards are automatically billed between $14.99 and $24.99 a month without touching an Xbox gamepad. 

But first, is it possible to remove credit card from Xbox? Well, Microsoft now has a feature that allows you to remove your card data, in case you want to stop the subscription or add another card.

It was almost impossible to remove credit card from Xbox Live accounts for years. Thankfully, you can now remove your credit card info and stop recurring billings by following a few simple steps.

How to Remove a Credit Card from Xbox

The feature that allows you to add a credit card as a payment method ensures Xbox users can make purchases in the Microsoft store.

However, if the credit card is no longer used or has expired, or you no longer use the Xbox console, it is important to remove the credit card to prevent automatic debit, especially if it’s on recurring billing.

There are various ways to remove credit card from Xbox. Here are some of the most effective:

How to Remove Credit Card from Xbox One Console

  1. To remove credit card from Xbox One console, turn ON the console and press the Xbox button to bring up the guide menu.
  2. Go to the System tab and click on the Configuration or Settings section.
  3. Next, go to the Account section and click on Payment and billing.
  4. Choose the credit card you wish to remove on the Payment Options page. All payment methods you have used should be reflected on this screen.

Tips: Each card will be displayed with its respective delete option below them. You can remove each credit or debit card by clicking the Remove option.

  • To confirm the credit card deletion, choose the Yes, Delete option.

How to remove credit card from Xbox live account

  1. To remove your credit card from Xbox, sign in to the Payment Options page with the Microsoft account that has the payment option you want to remove if you have more than one account on Xbox Live.
  2. Find the payment option you want to remove and select the ‘Remove’ option.
  3. Select ‘Yes,’ and the payment option will be removed.

What to do if I can’t remove a credit card from Xbox

Many reasons can prevent you from removing a credit card from Xbox. The most frequent causes and the possible methods that you have to try to solve this problem are described below:

1. You must maintain at least one payment option

It is a basic requirement that you always keep at least one payment method registered, so if the credit card you are trying to remove is the only option available to pay, you will not be able to do so until you enter another payment method.

If you do not plan to use it to subscribe to Xbox again, cancel your subscription by navigating to the Profile & system, then Settings >> Account >> Subscriptions. Next, select the subscription plan you’re on and cancel, following the steps shown.

2. You must be sure that you do not have any balance due

Problems with deleting a credit card on Xbox can occur if you have a balance due on your account. If this is the case, you will not be able to make any changes until the balance due is settled. Here’s how to fix this and remove credit card from Xbox:

  1. Sign in to your Microsoft account.
  2. Go to the Services and subscriptions page.
  3. Choose the Pay Now option, and you have to follow the instructions that appear on the screen to pay the balance due.
  4. Once the balance due has been settled, check if the issue is resolved.

3. Check if your actual country/region matches your registered country/region

If you’ve recently moved to a different location or country, you may have trouble removing your credit card on Xbox, or any payment method, until you change your region settings. Below are the procedures to do this on different consoles to make it possible to remove credit card from Xbox:

 On Xbox One console

  1. Sign in to your Xbox One.
  2. On the home screen, scroll to the left to open the Guide.
  3. Once you have entered, select the  Configuration options and then All the configurations.
  4. Choose the System function.
  5. Choose the Language and location option.
  6. Select the new location from the list and choose the Restart now function.

On Xbox 360

  1. Log in to your console.
  2. Go to Settings and select the System section.
  3. Choose the Console Settings option.
  4. Select Language and regional settings. Then choose Regional Settings.
  5. Select the regional configuration that you prefer.

What to consider before changing region

As you can see from above, changing your region or locale is simple. However, you should know that there are a few limitations to achieving this.

  • First of all, the region change can be done only once every three months. 
  • Also, it is not possible to change your region if your account is currently suspended or if you have a balance due on your Xbox Live subscription.
  • The money you have in your Microsoft account cannot be moved if you change your region. Therefore, it is advisable to spend it before modifying it.
  • Lastly, please note that some services may not be available in certain regions.

How to Add Funds to Xbox Account

Maybe you want to add the new payment option before you remove credit card from Xbox. To do this, here are the processes that you need to follow according to your console model:

On Xbox One

  1. Sign in to your console with a Microsoft account.
  2. On the home screen, scroll to the left to open the Guide.
  3. Choose the Settings sections first, and then the All Settings section.
  4. Select the Account and Payment and billing options.
  5. Click on the Add credit card or Add PayPal.
  6. Finally, continue with the instructions on the screen by entering the necessary information.

On Xbox 360

  1. Sign in to your Microsoft account.
  2. Go to Settings and then to the Account section.
  3. Select the Manage Payment Options feature.
  4. Finally, select one of the following options:  Add credit card or Add PayPal and follow the instructions that appear on the screen.

What are the different payment options to try on Xbox One?

You have the option of paying with your gift card or subscription card, your credit or debit card, and PayPal for payments on Xbox One. You may also choose the mobile operator billing.

Your account is unable to make this type of purchase on Xbox – what it means and how to fix

  1. This may mean that you have a Microsoft subscription left to be paid, and you won’t be able to make other purchases except that’s settled.
  2. If Xbox detects spam, phishing or malware attack, or any other unusual account access, the account may be temporarily suspended, so you will not be able to make purchases, among other activities. You first need to unlock the account by signing in using a security code and creating a new password.
  3. Another possible reason could be that the item you’re trying to purchase isn’t available for your region or you have not received permission to purchase from the account.

Xbox won’t accept my credit card – working tips to fix

  1. First, the problem might be at Microsoft’s end. Try signing out and then in and retry. 
  2. The issue can also be with the card. Contact your bank for more information, especially if Xbox notifies you to do this.
  3. There are several ways to make payments on Xbox. If your credit card isn’t accepted, try using the PayPal or gift card options.

Someone stole my Xbox Account – the options you should explore

  1. First, change your password by signing in and going to Security >> Password security.
  2. Second, check your Xbox billing activity to see if there is a charge you didn’t authorize. You may also delete your credit card from the account.
  3. Finally, report the stolen account to the Xbox customer support.

Read also: Is 60hz good for gaming on PS4, PS5, Xbox One, and Laptops?

How to get Xbox live without a credit card

One way to get Xbox live without having to subscribe or add a credit card at first is to purchase a prepaid membership card. Then, every time your subscription runs out, Microsoft will deduct it from the prepaid card.

How to block purchases on Xbox One?

Using the console, log in to Xbox and press the button to access the guide menu. Select your child’s account and go to Privacy and Online Safety. Proceed to Xbox Live privacy and then View details and customize. Next, go to Buy and download and click on Ask a Parent.

How to disconnect from Xbox live on Xbox one

Select Settings on your Xbox One console. Then go to account>> Subscriptions and select the subscription you wish to cancel. Press the A button. Choose Cancel Subscription under Payment and Billing. Then follow the instructions. 

How to pay past-due Xbox Live with a gift card

Unfortunately, you can’t pay an overdue subscription with a gift card or subscription card. You can only clear the due subscription amount with your credit or debit card.

How to turn ON recurring billing on Xbox One for a child

To turn on recurring subscription payment, press the Xbox controller button. Go to your Profile & Setting and select Account followed by Subscriptions. Select the subscription you want to set a recurring payment for and choose Turn ON recurring billing.