Windows 10: I need to update a credit card for an existing account and I'm going in circles - I need help

I need to update a credit card for an existing account and I'm going in circles and need help

:)

 

credit card details already exist

Two things you can do.

• Visit commerce.microsoft.com and then head over to the billing section. Remove any credit card details that may exist and make the card section completely empty. Then head to windowsphone.com and then try to buy the app and it will prompt you to enter fresh
  credit card details.
• If the previous step did not work, don't waste time on online research or forums as this is a billing/account related issue. Straight away, head over to gethelp.live.com, start a chat with a billing person and they will take care of this.
  

 

Credit Card Problem

You are old school as you can just as easily activate a credit card online. Of course they'll be security measures in place to make sure you are you *Wink

• Example: Activate your Bank of America credit card online (Bank of America)

And no, you don't "have to go online" to activate.

 

credit card details already exist

i have a nokia lumia 800 phone and i have also set up my microsoft account with credit card details etc.
when i enter the market place on my phone to purchase an app the phone suggests that credit card details are required and it transfers me to microsoft and when i log in and enter the credit card details , i cant get any further regarding buying the app
as a message saying credit card details already exist is as near as i can get to buying that particular app.
i have tried turning on and off my phone and clearing the web browser history etc and still when i try and buy a new app i get the same message that the card details already exist ?
any ideas on how to resolve this issue ?