como puedo arreglar esto
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I have the same problem but I can't read Spanish?
Butcherman88, these forums work best when you create a new thread with a first post of your own, as the original poster's problem and solution, although similar, could be very different in detail.
It's great that you're researching here, but the quickest path to a solution is your own thread. That being said,
http://support.xbox.com/billing-and-subscriptions/account-management/xbox-live-credit-card-authorization-failure has the details for you.