How to Turn Off Recurring Billing on Xbox One Account (Don't Get Charged)

On the Xbox console, you can also go to Profile & system - Settings - Account - Subscriptions, choose the subscription you want to manage, and follow the steps to cancel 1. Alternatively, you can go to the support portal and select “Billing,” then “Turn off auto renewal for your Xbox subscription”

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What if it's a new account with no previous subscriptions

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My subscription says active but can’t play multiplayer