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Michael-5 said:

When XBL costs <$60 a year, the deal is usually only available over XBL, using a credit card. You can't buy XBL Gold subscriptions over XBL without a credit card, and at retail, $60 cards are almost never <$50 on sale. As for Silver weekends, I'm pretty sure I've played on a wednesday/thursday before as a silver account user. Not until the update in 2009 (I think) did I ever have a problem playing Halo 3 online as a silver member.

I've never used my credit card on XBL. I bought ALL of my 12 month Gold cards from Amazon and I've never paid more than $39.99.