Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
When you tried to change the payment method, did it give you any specific error?
Some typical causes I am seeing a lot here in the forums are
- You have moved to a different country since you signed up for this plan.
- Your current profile's country is not the same as the new credit card's billing address country.
- Your plan was initially purchased/redeemed from a third-party purchase.
In those scenarios, you usually have to let the plan expire by turning off auto renewal and update your profile's country to make sure it is reflecting where you are and that it matches your billing address country. Then you purchase the plan again with the correct locale.
However, it also sounds like you may not be able to get into your account right now, or your security contact information is pending. It is extremely important that you review your account's security information from time to time, especially when you change phone number/email address, so that you don't run into this again, because otherwise Microsoft makes you wait 30 days, and this wait cannot be bypassed by anyone, and there's no speed-up process. Do you know how many days are left for this waiting process?