I do not want to add a credit card to my account and I can purchase things with my redeemed codes / balance on the console, but when I try to buy anything on xbox.com, my only option is to "change payment options" where I am directed to add a credit card to my account. I get this even on free stuff like the games for gold TC R6 Vegas. Like i said, I have no problems when I'm on the console simply telling it to use my available balance, but before the currency switch, I could do everything from the website. I sometimes go weeks without being able to game and I'd really hate to have to spend half the little bit of time I do get to play having to manage purchases when I previously didn't have to. Any ideas?