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bunchanumbers said:

After the Sony hacks I've always been leery about putting credit card info into a console. I used a old gift debit card I had lying around to get this. Otherwise it wasn't going to let me even though I had money in my MS account. Sneaky how they do that.

That's how the Xbox Marketplace webpage operates, to be honest, and has been that way ever since it went live. If you do it through the Xbox itself, it's not required at all.