true, once you inserted your ccard details it's forever no turning back.

the only solution is, you need to call microsoft singapore to stop the subscription.

remember my terminated ccard issue recently with the 1 year gold subcription? even though my ccard no longer available msoft still tried billing. when payment was decline msoft email told me payment was unsuccessful and i need to update my ccard details but under account mgmt my gold was renewed for another 12months already. when i didnt update my ccard details for quite sometime then came 1 powerful email from msoft... if i dont update my ccard details asap... my account will be suspended for 30 days!