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CaptDS9E said:
Euphoria they should be able to just let your account expire to become silver.

 

XBL accounts do not expire, it recharges.

And if your creditcard does not work, they'll ban you from both Gold and Silver.

At that point, they'll constantly tell you to renew or change your card number via XBL on the 360, then when you try to change your information, they'll tell you that you can't access your credit card info without being online, then they'll boot you off XBL again, and tell you to change your credit card information by account settings again inorder to get online. It goes on forever until you call them.

Then they'll charge you for all the months you've been banned for, yes, I'm serious.... Microsoft WILL charge you even for the months in which you have been suspended from both silver and gold.