WTF...you guys are right!
FIFA Points 500
FIFA Points 4600
I called Microsoft, followed the prompts to Xbox / Billing, it asks me to enter my phone number then make sure I have my "proofs" ready, whatever that means, asks for my home phone to be keyed in then says "Sorry, try again later" and the call disconnects.
Any tips with contacting them? I'm calling 1-800-642-7676. Should I just keep trying and trying?