How to Remove a Credit Card from Microsoft Billing, Even if you cancel a Microsoft service that used your credit card, the card still remains on file with Microsoft. For safety reasons, you can remove this card from Microsoft's database, which you can do at the Microsoft Account website, previously known as the Microsoft Billing portal. The only restriction to removing a credit card from your Microsoft account is that the card must not be currently in use with an active subscription. If this is the case, you will need to transfer your subscription to a new credit card before you can remove the card in question.
Navigate to the Microsoft Billing website and sign in to your account.
Click or tap "Payment Options," located at the top of the screen.
Select the card you want to remove from the left side of the screen.
Click or tap "Remove," located at the top of the card details.
Click "Remove" from the window that appears. You will receive verification in the following window that your card is now deleted. Click "Done" to complete the process.