You have to start the transaction with the credit card selected, it then asks you if you'd like to use your remaining Microsoft Account balance.
[quote]Attempt the purchase with a credit or debit card attached to your account.
When you hit confirm, you will be asked if you would like to also use your Microsoft account. It will say:
Do you want to apply the [Your Balance] in your Microsoft account toward this purchase, and charge the rest to your [Credit/Debit Card Selected]?
If you select “Yes, apply it”, your account will be drained, and the rest will go onto your selected credit/debit card.
If you select “No, don’t use it”, the purchase will go fully on your credit/debit card[/quote]
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