1. It’s mainly due in part to security issues.

    Say someone gets your account information and is able to ‘Recover’ your gamer tag on their 360. Once they have your gamer tag, they can pretty much find out everything they need to know to purchase anywhere from 1 to several Live Accounts if your CC is on file.

    Note: Never put your CC on file with Microsoft. Carrying on now.

    It’s mainly to verify that it is YOU making changes to your account and not some goofball out in the boonies or a Nigerian Prince.

  2. The best way is just to do it online, you can do pretty much everything you need to do now online at xbox.com, including removing credit cards and such.

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