Xbox – Purchase Xbox 360 content on Xbox.com without credit card on file

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Is there any way to purchase Xbox 360 content on Xbox.com without a credit card on file? I'm getting an error that says "You have no valid payment options on file" and my only options are Change Payment Options and cancel.

If I click on "Change Payment Options", I'm shown a screen that only offers to "Add A New Credit Card".

This happens even if I have enough of a balance in my account to make the purchase, and even if the content I'm trying to purchase is free.

It's probably worth adding that I have no such issues with Xbox One content.

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Best Answer

So there's finally official confirmation that the real answer is "You can't." From this Major Nelson post about Xbox 360/Xbox One backwards compatibility:

The Xbox 360 Marketplace and the Xbox One Store websites use different architecture, so if you have credit but no payment option associated with your account, you won’t be able to use the credit to purchase Xbox 360 titles. You will have to add a payment option or purchase the title using an Xbox 360 console.

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