It may or may not. It can even renew when you don't have enough money, like in JUDGEthe's case last time

It was in their terms and conditions when you sign up using CC. They made it very clear that it is auto-renewed.

So, dont go blaming Microsoft because it was made very clear to people who used CC. If you didn't read the clause, then its not their fault. The only shitty part is the hassle in cancelling it. I guess its their way of demotivating you when you feel like cancelling.

i had to pay to unblock my gamercard... then only i tried using the reload card.

previous page cyberxrush post the solution, u can try that. Lucky i didn't renew my xbl using cc.

btw, off topic. if anyone of u using cc to buy ms point does its automatically renew/reload point after u used all of it? if u use cc to buy ms point does it automatically renew ur xbl live because they got ur cc number after u bought ms point? if not i can use cc  to buy ms point. GH too far for me imo