You can continue using your account normally
For your protection, replacing your security info takes 30 days. During this time:
You'll be able to access your email, Skype, OneDrive, and devices as usual.
Only actions that require security info (like checking your billing details) will be unavailable.
During this time, we might periodically ask to confirm that you requested these changes.
The wait makes it harder for someone else to take over your account with a stolen password.