You must make your valid Credit Card as primary, if you still have an old card then it will not let you log in. go to xbox.com and sign in and select billing.
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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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