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Xbox 360, need help with payments using debit card?

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Before I had this problem I used a debit card and everything was OK. Previously I couldn’t get on to to xbox live as the debit cards expiratory date had passed so I got a new one. I tried to put in my details and everything and it said something like it wasn’t authorized or something. It is a Visa so it should work but unfortunately it isn’t. Can someone please help me thanks.

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