Im getting the exact same problem, it worked fine for me one second and now its not. ive also waited 48 hours and again im still getting "Your payment instrument could not be authorized. Please contact your provider, or try a different payment option". Ive rang my bank and they say everything is okay and working so its not at that end, ive tried online, through xbox, paypal, several cards and absolutely nothing. Anyone else found anything else out yet?
im only 80 MS points from maps and this is REALLY annoying me now!