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AimeeLoves
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As Rolig says, you MUST register a payment method, even if you intend never to use it.

Register a major credit card, or a verified PayPal or Skrill account.

Now if you don't want that payment method to be charged:

  • Sell some $L.  The proceeds will go into your $USD Balance
  • When your Premium dues, or other charges from LL come due, LL will first take money from your $USD balance.  If there is enough there, fine!  Your payment method will not be charged.
  • If there isn't enough money in your $USD Balance, LL will charge your payment method for the difference.
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