My 5 year old son recently made 2 XBOX live purchases using my account /credit card. (He was warned and educated the first time, and is now in trouble for the second time).
I think it is just terrible how easy by default it is for this to even take place. I don't enjoy or think it is fair to have to go through SO much EFFORT to PREVENT this from happening - it's a very poor design. It is a greed/profit driven system that is fully intended to take advantage of people. Sure! Make it easy to spend money - and people will do it more often, even if by mistake or by their children! - ("Cmon little Johnny - you know you want to buy this game - just grab your dad's credit card from his wallet and do it!"). Again - yea yea - you can take a full hour of your life and set up all the controls and what not to prevent this - but shouldn't it be the other way around? Why is it so hard to do the right thing and keep the customer happy/safe first?
In this situation you would think there would be a mechanism to undo this obvious mistake and make things better. Upon calling XBOX LIVE Support (which apparently is also frowned upon - judging by the hefty amount of effort it took to even find the 1-800 number - that is not to be found on this site btw - at least not easily) the not-so-friendly agent bascically says - "sorry it's a licensing thing - so we have NO returns on digital purchases/downloads". Hmm - so brick and mortar seems to clearly have an advantage here (my son never played or "opened" it) ...guess who will NEVER buy another title digitally again! ;)
Thanks to the rude but "helpful" agent - my automatic renewal option, and my credit card on file have now been removed. (By the way I could not do this online - again the wonderfully built system made it hard to do anything that protects my hard earned money ;) - although as I mentioned it should be this way by default.
In Summary: purchasing on XBOX live SUCKS ***. Unless you are an adult with either LOADS of time (or LOADS of money) - stay the hell away from signing up your credit card on this service - there is NO protection or gatekeeping by default.
Also - one more thing - why in the hell do you have to buy XBOX LIVE GOLD just to get Netflix? Just about every damn device on the planet can get Netflix to play for free (with their subscription of course) - but yet you have to pay the extra Microsoft Tax each month on top if you want to use it on your xbox - HELLO!?
Uhh - guess who will be buying a new Blu-Ray device with Netflix this weekend (Yea, that's right, the XBOX doesn't even offer you Blu-Ray) - I just wish I had the $50 my son spent without my permission to put towards buying it.