Do you mean a Debit card? Because if you mean you have a debit card from a bank, then that is useable for Xbox live. It works the same as a CC or PP. If you are having issues getting the balance taken care of, give support a phone call and they will be able to process the balance and get you squared away. There are more than 3 ways to take care of a balance. CC, Debit card (issued from bank), Pay Pal, or even a green dot or various other pre-paid VISA cards.