This has been a big hassle to me since a very long time now... I live in India, and since about 2009, when Verified By Visa became a mandate here, the XBOX Live Marketplace has become mostly useless to me. My credit cards have stopped working, I have tried with different banks. After two years, XBL still doesn't support Verified By Visa, which is a shame. The only method left for me as well as all the rest of Indian XBL community is to buy overpriced MS Points cards. HEar me out MS, I want to give you my money, please make it easy for me, will ya!? At least make it possible for me to buy content from the XBL website!? And as irony would have it, my cards work perfectly during the XBL auto renewal!! They just don't work for buying MS Points.