so i paid for 1month membership on a card which does not allow recurring payments so when my payment runs out what happens to all my member items and is my account deleted or does it just switch to non-member?

It just switches to nonmember until your membership is re-instated. All of your items will be waiting for you on bank pages 2 and 3, but if you're wearing membership required gear at the time of lapse, you will want to take it off, as it's bonuses will be void until you get membership back up.

thanks for the help but just a question, if im wearing the gear when the switch from member to non-member takes place will i still have the items that im wearing or will they be lost or something?

You keep the items, you just can't use them. Also, if you have anything in bank pages 2 - 5, you won't be able to access them.