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^^And maybe it's changed but I know that when my credit/debit card expiered, there was no "revert to Silver" option.  Until I updated my info, d21lewis could not log in to Xbox Live at all.  I was gonna wait until I wanted to play online.  No chance in hell!  I had ro renew or unplug my ethernet cable.

Once they have your info, they have you.

I still prefer Live to the PSN, by far.  I just wonder about some of their business practices.