I am being billed for Microsoft 365 family. The credit card for it has expired.

Hi

You don't have to cancel to stop paying for Family. You can switch to a smaller plan instead, and your OneDrive files stay where they are. Microsoft 365 Personal is made for one person and still includes 1 TB of OneDrive storage, so nothing needs to be removed.

1. Go to account.microsoft.com/services and sign in.
2. Find Microsoft 365 Family and select Manage, then Cancel subscription.
3. Don't confirm the cancel yet. That page shows the plans with fewer features, so pick Microsoft 365 Personal and follow the steps to complete the switch.

The change happens at your next renewal date. You keep Family until then, and Personal starts after that.

Because the card on the subscription has expired, also add a current one under Payment options on the same account page. Otherwise the renewal can fail and the subscription would end, which is exactly what you want to avoid.

The warning you saw is about cancelling with no plan at all. In that case your storage drops to the free 5 GB. If your files are over that for three months, OneDrive becomes read-only, and after six months Microsoft may delete the files. Switching to Personal avoids all of that.

About how much space are your OneDrive files using right now?

If the switch to Personal works for you, please consider accepting it as the answer. If you don't see the Personal option on the Cancel page, let me know and I'll be happy to keep helping.

Reference:

• https://support.microsoft.com/en-us/office/switch-between-microsoft-365-family-microsoft-365-personal-or-microsoft-365-basic-322aa887-0641-4fbb-b332-6fbc0e75c7fa
• https://support.microsoft.com/en-us/office/what-does-it-mean-when-your-onedrive-account-is-frozen-2735f7de-71a3-4745-9a08-7c6799bb89f7