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I agree with the top person who left a comment lyingredients about stolen cards won't cut it and is moronish. What happened to me was my very clever 9yr old logged his profile onto his older brothers console wich didn't have same parental settings then made a vast amount of purchases then went back to his console to use the purchased content. So if you have multiple consoles be aware only the one you set the pin or password on is secure from these purchases. Microsoft are unforgiving as it is preventable if you are vigilant or learn the hard way as I have. Thanks.