Processes in Microsoft 365 for setting up Office apps, redeeming product keys, and activating licenses.
Hi, I'm John! I will help you with this.
You can’t set up Microsoft 365 without adding a payment method first, even if you plan to turn off recurring billing later. After setup, you can sign in to https://account.microsoft.com/services and turn off recurring billing from there.
About the freezing issue, does it freeze right after you complete the CAPTCHA/puzzle? Are you using a browser or the Microsoft Store app?
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Regards,
John J.D.