Http://support.xbox.com/support/en/us/xbox360/xboxlive/myaccount/managemyaccount/intro.aspx
That will take you to the page to modify your billing settings, if you haven't already. If you are having futher trouble, X-Box Live support over the phone is quite helpful.
(800) 4MY-XBOX
Xbox LIVE purchases and membership renewals are charged to the payment option that is associated with your Xbox LIVE account. Use the following steps to add or change a payment option that is associated with your Xbox LIVE account. If you want to remove a payment option, please see Remove an Xbox LIVE payment option.
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Console steps: Add or change a payment option
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