I let mine expire once but had an expired debit card on it. it tried to charge my expired card and locked me out. I couldn't do anything so I went and bought a prepaid card and it still didn't let me do anything so I had to purchase a 12 month again using a new debit card even tho I had just purchased a prepaid card. ugh!
Same thing happened to me last year. If you would've called Microsoft, they would've fixed it up for you without having to buy another 12 months with a new debit card.
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