been trying for DAYS to get help updating billing credit card.

Follow these steps to update the payment method and get Microsoft 365 working again.

1. Check for a past-due subscription

• Go to Services & subscriptions at https://account.microsoft.com/services and sign in with the Microsoft account used for Microsoft 365.
• Look for any subscription marked past due or attention needed.
• If one is past due, select Pay now and follow the prompts.
• When prompted for payment, either update the existing payment method (new expiry/CVV) or add a new one, then select Next to complete payment.

2. Update or fix the payment method on the Microsoft account

• Go to Payment options at https://account.microsoft.com/billing/payments and sign in.
• Find the card that is failing and select View or edit card.
• Update name, billing address, expiration date, and CVV, then select Save.
• Ensure the billing address and name exactly match the bank statement and that the card has sufficient funds.

3. If cards/PayPal keep failing

• Some banks require extra security checks (multi-factor authentication) before approving online subscription payments. Check for any SMS/email from the bank and complete their verification.
• If a card is repeatedly declined even after details are correct, contact the bank or card issuer to confirm:
  • Online/recurring payments to Microsoft are allowed.
  • No fraud block is active on the card.
• For PayPal, ensure the PayPal account has a valid funding source (credit card or confirmed bank account) and that the linked card is not expired and has funds.

4. If the subscription was purchased through a third party

• If Microsoft 365 was originally bought via Apple, Google, a retailer, or another third party, the payment method must be changed with that retailer, not in the Microsoft account. See the guidance in Manage your Microsoft 365 subscription purchased through a third party from the context.

5. If the admin center or billing pages won’t work

• If using a business account and the Microsoft 365 admin center billing pages fail to load, try:
  • A private/incognito browser window.
  • Clearing browser cache/cookies and then signing in again.

6. When self-service still doesn’t work

• For consumer Microsoft accounts (for home), use the Contact – Microsoft Support path from the context to reach billing support:
  • Sign in, choose Microsoft 365/Office.
  • Select a billing/payment category.
  • Use Chat with a support agent or request a callback.
• For business/organization accounts, an admin can open a billing support ticket from the Microsoft 365 admin center using the Help & support pane.

Once the payment method is successfully updated and any past-due balance is paid, access to Microsoft 365 apps (including OneNote) should be restored.

References:

• Troubleshoot payment option issues
• Pay for a past-due Microsoft subscription
• Update a Microsoft account payment method
• Payment Services Directive 2 and Strong Customer Authentication
• Manage payment methods for Microsoft business accounts
• Add, update, or delete a payment method
• Can I speak to someone? -- Billing issues - Microsoft Q&A
• i have been charged twice - Microsoft Q&A
• Have been billed multiple times on multiple charge cards for renewal - Microsoft Q&A
• How to connect with Help and Support - Microsoft Q&A