You can use a different credit card, debit card, or other payment method to pay your account charges at any time.
If you have any existing charges on your postpay threshold account, the charges will be billed to the new payment method at your next billing cycle. For a prepay account, you can add funds as soon as you've switched to the new payment method. However, if auto-recharge was set up for your previous payment method, you will need to set it up again for your new payment method. See Add funds to a prepay account for more information.
For a list of payment methods that you can use based on your account country, currency, and payment setting (prepay or postpay), see Choosing a payment method for Microsoft Advertising
Only users with full permissions (Super Admins) can add, edit, or delete a payment method. Standard Users can set existing payment methods as primary or backup. Learn more about user roles.