Please help, I have received this email twice from Microsoft :

We are contacting you because we have been unable to charge your credit card for your Ad-free Outlook.com service(s) being billed to you through Microsoft Online Services. The following credit card is the current payment method on your billing account:
Credit card type: VISATo avoid an interruption of your services or to reactivate suspended service(s), please provide a valid credit card and a current expiration date. If payment is due for other Microsoft services purchased with the above card, those services may also be affected.
To view or change your billing account, go to https://commerce.microsoft.com, and select one of the following options:

To update payment information, select 'payment options', click the payment option name, then click 'edit'.

To view a billing statement for a payment method, select 'payment options', click the payment option name, then click 'view transactions'.

If you have already resolved this issue, please disregard this notice and accept our thanks.
Thank you for using Microsoft Online Services.
Microsoft Customer Support

Whenever I try to do this I get the following answer: 

You recently updated your security info

We have a waiting period for the updates to take effect. On 23/8/2013, we'll delete your old security info:

(gives me an alternative email address I never use)

Therefore that means that I have to wait a month for something or other but in a couple of days time my subscription will run out and I am not able to put my new Visa details in the system. There is no one human I can call or email and so I am stuck and I will lose all my emails.  I have had a Hotmail account for approx 10 years and I have a lot of stuff on this account that I don't want to lose.Please could someone advise me how I can urgently edit my bank details and overcome this problem (without too much technical jargon) and in a way that works? Thanks, Patricia