Happily using xbox live and had it on auto renew but only found out today that it was trying to use an old credit card to renew.
Amazingly Microsoft was trying every few days for the last 6 weeks and not a word said on console. Good job I logged into the account on a computer to see how much I had in the MS account towards a premium membership. Wonder how long I could have gone before they stopped me playing.
Yes have gone for BF4 Premium, after finding out you can carry it over to the xbox one