Cannot change the card for my subscription due to "missing address". The address is there and correct.

For an active Microsoft subscription, changing the billing address on the Microsoft account does not update the billing address shown on that existing subscription. For an active subscription, the previous billing address continues to apply. To use the new billing address, the supported path is:

1. Go to Services & subscriptions: https://account.microsoft.com/services
2. Find the Xbox subscription.
3. If there is a past-due balance, select Pay now first.
4. If the subscription is still active and tied to the old billing address, cancel the subscription, then update the billing address in the Microsoft account, and then repurchase the subscription.

Other checks supported by Microsoft guidance:

• In Services & subscriptions, use Manage > Change how you pay to add a new payment method.
• If Change how you pay is missing, recurring billing might be off.
• Make sure the card details match exactly: card number, expiration date, name on card, and billing address.
• If the card was declined, confirm with the bank that the card is active and has sufficient funds.
• If the subscription was bought through a third party, it must be managed through that retailer instead.

Since the address was already re-entered several times, repeating address edits alone is unlikely to fix this if the subscription is still bound to the old billing address.

If the issue continues after canceling, updating the billing address, and repurchasing, use Contact Support from Microsoft Support.

• How to change your Microsoft account name or address | Microsoft Support
• Change your Microsoft subscription payment method and options | Microsoft Support
• Troubleshoot payment option issues | Microsoft Support