I put in a xbox support ticket about not being able to buy 360 games with Microsoft credit. They told me to put get a friends xbox 360 or even to go to a gaming store and use their hardware to buy it lmfao...
Told them that was a security risk basically they are nuts
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FYI, buying 360 content (games and DLC) on Xbox One with MS credit has not been possible since August 2015.