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It's a pain no doubt about it..and yeah credit cards are the best way to go about it. They are even offering xbox live prepaid cards for people.
The examples that were given in the article were for games like unreal championship ..you could download a new weapon or level via xbox live. These all add up in the end as someone else mentioned, nevertheless there are people who are willing to fork over the funds to get the best experiance possible from their games.
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