Last month I was able to download the xbox one & the xbox 360 FREE GAMES w/ GOLD on my XBOX ONE it was FANTASTIC !!! I had no problems whatsoever, NOW THIS MONTH the FREE game for the xbox one i got no problem BUT it asks me for a CREDIT CARD to get the FREE 360 GAME !!! I dont use CC or Pay Pal & im not going to get one to buy a FREE 360 GAME ! whatever you guys did PLEASE FIX IT as this is really STUPID! I've read comments that you need CC for records of the $0.00 charge BUT I DONT HAVE TO HAVE IT FOR THE XBOX ONE FREE GAMES? just the 360 games? that makes 0 sence.