I didn't put a new credit card number on my account but did post a Paypal account.  For some reason Microsoft won't bill my Paypal but insists on continuing to try to bill an expired credit card number.  Why is that?

Now my ad free account is cancelled.  Why wasn't a Paypal account sufficient?
It will not let my son sign in to his xbox live account to update security. We sign in to our account on Microsoft and when I try to very that I am an adult it pulls up an expired credit card. I change the card info but it will not verify the new card giving an error code 1086 and to try again later. I have been trying to do this for several months and on different devices but it still gives me the same problem. Is there any other way to get this to go through to let me verify these accounts and that he does have permission?