We went from a single account to a family account. If you have any balance remaining on the single account, they will apply that to the purchase amount of the family pack. We love the family pack. Parents can regulate all aspects of gaming for the kids.
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The credit applied is $5 for every month of live remaining, rounded up. So say you have 4 months and 12 days of LIVE left, they would credit you for 5 months or $25 off of the family plan (which is $99.99 for the year). Any secondary accounts you add to
the family plan get their time converted to a 2 to 1 (rounded up only if a single month is left) ratio for the whole family. Therefore if you add someone to the plan who has 5 months of live left, everyone in the family plan gets an additional 2 months. I
believe the cap is 36 months on the family plan.