Xbox one expired despite gold?

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1

My Xbox live gold only went up until January 13th. I then received a message that the recurring billing had failed because it could not be debited from my Microsoft account because the balance is too low. I have just received an email that the recurring billing has also failed and I only had Xbox live gold until 13.1, but I can still play online I have just turned on my Xbox again and GTA v and it still says that I'm can play online I clicked on it and can still play online

Does anyone know why? Can't really be

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