Q: Do I need to buy it with a credit card? Are there other ways I can buy it without using a credit card?
A: yes go to bestbuy or other electronic stores that sell 360 stuff and look for a live gold membership subcrition card here http://www.bestbuy.com/site/olspage.jsp?_dyncharset=ISO-8859-1&id=pcat17071&type=page&ks=960&st=live&sc=Global&cp=1&sp=&qp=crootcategoryid%23%23-1%23%23-1%7E%7Eq6c697665%7E%7Ecabcat0700000%23%237%23%23q%7E%7Ecabcat0701000%23%233%23%23f%7E%7Encabcat0701012%23%230%23%23b&list=y&usc=All+Categories&nrp=15&iht=n