Hi,:Remove a payment method:
- Go to Microsoft Payment Options and sign in.
- Find the card or payment method you want to remove.
- Select Remove next to the payment method.
- Select Remove again to confirm.
If Remove is not available, the payment method may be linked to an active Microsoft subscription or have a pending payment. You may need to change the payment method for that subscription first at https://account.microsoft.com/services/365/manage
To add a payment method to your Microsoft account:
- Go to Microsoft payment methods and sign in with your Microsoft account.
- Select Add a payment method.
- Choose the payment method you want to add, such as credit/debit card or another available option.
- Enter the required payment details and billing address.
- Select Save.
The new payment method will then appear under Payment methods and can be used for eligible Microsoft purchases and subscriptions.
Also check:
Update a Microsoft account payment method
https://support.microsoft.com/en-us/accounts-billing/remove-a-microsoft-account-payment-method
Update a Microsoft account payment method
https://support.microsoft.com/en-us/accounts-billing/update-a-microsoft-account-payment-method
I look forward to hearing from you to get the results of the troubleshooting.