why dont you READ the ARTICLE before you POST here.
1- "I accessed my account information to change my service from Gold to Silver (paid to free) and found that there is no option for this. Only choices available are to switch from month-by-month to 3 month or annual subscriptions. Hearing that Microsoft claims you can edit or change your billing information via Xbox 360 console or through the website (www.xbox.com). This is where I went next, only to find out that users are unable to remove or edit CC information. The only option available is to edit the billing address."
ok so microsoft will not let you remove ur CC from their system, ok lets say thats how they do things, first time i have seen such a system, a person should be able to remove his CC information just like how he added it.
2- "Running out of options, I contacted customer support (800-4MY-XBOX) in attempt to cancel a subscription no longer wanted. The representative, although very nice, seemed to have trouble understanding my simple request of canceling the paid subscription. I had to literally state; “Microsoft is no longer authorized to use my CC. Please remove it from my account." This, she understood clearly. I was told that I would no longer be billed, that my account was updated with the removal of my CC number, and finally I was given a confirmation number."
ok so he had to call them to cancel his CC and if u go on reading the rest of that article which u should before posting, ull know whats this is all about.
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