Remove a Microsoft account payment method
If you have a payment method for your Microsoft account that you're no longer using, or that has expired, you can remove it.
Remove a payment method online
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Sign in to the Payment options page with your Microsoft account. If you can't sign in, try troubleshooting issues with your Microsoft account.
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Find the payment method you want to remove, and then select Remove.
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Confirm that you want to remove your payment method, and then select Remove.
Remove a payment method on an Xbox One console
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Sign in to your Xbox One console with your Microsoft account. If you can't sign in, try troubleshooting issues with your Microsoft account.
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Press the Xbox button on your controller to open the guide.
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Select System > Settings > Account > Payment & billing.
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On the Payment options screen, scroll right to the payment option you want to remove, and then select Remove.
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Confirm that you want to remove your payment method, and then select Yes, Remove.