Just got around to reading this, and immediately removed the two credit cards I have associated with my gamertag. They're only on there for buying points, as I buy year-long redeem cards for Live itself.
Looks like I'll just buy points cards from now on, too. Heh.
Edit: Should also mention that the passwords for all of my accounts for the various services and websites I use are different. I encourage everyone to do this.
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