Wow, I've only been annoyed by this for a year. Finally, I stumbled upon it when canceling my App Hub service for launching XNA apps on the 360. :(
Here's how to remove an old payment method (read: expired credit card) from Xbox Live. Why they made this so difficult to find is beyond me:
http://support.xbox.com/en-us/pages/xbox-live/how-to/xbox-live-account-management/default.aspx
Oh, and about getting rid of my XNA service. It feels like giving up, but really, I can still develop for it. I just can't deploy to the 360. But after a couple of years of barely using it, I'm ready to stop giving Microsoft my money.
I realize now that I was disenchanted by how Xbox Live Indie games never really took off. I guess they still could, but it's been a long time, and the next Xbox console is likely looming over the horizon. I hope they continue the initiative, but they need an overhaul. They need a marketplace akin to that of Apple's App Store. People need to be told what to buy and given ways to pass it on to friends.
It's funny, my work may never be seen on Android either, but at least on Android I feel like it could be seen.
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