Change your Microsoft subscription payment method and …
https://support.microsoft.com/en-us/account-billing/change-your-microsoft-subscription-payment-method-and-options-39ab4bc1-01f9-fc28-c3a5-49e87b6e7611
You can switch subscription plans for Xbox Live, Game Pass, and Microsoft 365. To change your subscription recurrence (for example, from monthly to yearly): Sign in to your Services & subscriptions with your Microsoft account. Find the subscription in the list. Select Manage > Change > Switch, and then choose your new recurrence.
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