e-mails from you saying my credit card has expired

Check the subscription directly in your Microsoft account rather than using links in the emails; this will show whether the new card is attached to Microsoft 365 and whether a payment remains due.

Verify the update

1. Open a new browser window and go directly to the Services & subscriptions page:
   https://account.microsoft.com/services
2. Sign in with the same personal Microsoft account used to purchase Microsoft 365.
3. Find Microsoft 365 and check:
   • The subscription status is Active.
   • The expiry or next billing date is correct.
   • Under Manage → Change how you pay, the new card is selected for this subscription.
4. If the page displays Pay now, updating the card did not automatically settle the overdue charge. Select Pay now, choose the new card, and complete the payment. A confirmation should appear when it succeeds.[^1^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Pay for a past-due Microsoft subscription | Microsoft Support")

Simply adding a card to the account does not necessarily assign it to the subscription. For recurring billing, Manage → Change how you pay is where the payment method attached to that subscription is changed.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Change your Microsoft subscription payment method and options | Microsoft Support")

Check whether the emails are genuine

Since the card was already updated, do not click the email’s payment link or open its attachments. Confirm the account only through the address above. Microsoft warns that payment-related phishing emails occur and recommends going directly to the relevant account or bank website.^3^

Check the full sender address carefully. A familiar display name or Microsoft logo alone does not prove that a message is genuine; look for misspellings or substituted characters in the sender’s domain.^4^

If Services & subscriptions shows Active, the correct next billing date, the new payment method, and no Pay now balance, do not provide payment details in response to those emails.

If the subscription is not listed or cannot be changed

• Try any other personal Microsoft account that may have been used for the original purchase.
• If Manage, Cancel, or Change payment is available, Microsoft handles the billing.
• If those options are missing or limited, the subscription may have been purchased through Apple, Google, Amazon, or another retailer. In that case, update and verify payment with that provider instead.[^5^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Where can I manage my Microsoft 365 subscription? | Microsoft Support")

If the Microsoft account still shows the expired card or a past-due status after payment, use Contact Microsoft Support, enter a billing problem, select Get Help, and then Contact Support. Do not post card details, account credentials, or screenshots containing personal billing information in this public forum.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Change your Microsoft subscription payment method and options | Microsoft Support")

References

1. [Pay for a past-due Microsoft subscription | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
2. [Change your Microsoft subscription payment method and options | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
3. Troubleshoot payment option issues | Microsoft Support
4. How to spot a "fake order" scam | Microsoft Support
5. [Where can I manage my Microsoft 365 subscription? | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])