This is why I use prepaid cards only. When my account got hacked I had 6200 points at the time (saw a really really good deal and took it; thats why I had so much) and the guy bought Dragon Age 2 off of the Games for Windows Marketplace. Called up Microsoft and got my points refunded. Don't even wanna think about all the trouble I would have had to go through if I had a credit card on there.
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