Okay i contacted Microsoft about my problem and they sent me this mail and its now working Again..
So it looks like that my account had become disabled for buying games, and then they turned it back on.
the answer to the problem is that you need to contact Microsoft yourself and tell them you got the error and they will fix it. :D
you can call them or send them a email but I recommend that you call their support!
Email from Microsoft:
My name is Iris and I am with the Xbox Customer Care Advocacy Team. First and foremost, we would like to thank you for taking the time to contact us in regards to the payment instrument authorization failure on your Xbox LIVE account. I sincerely apologize for any inconveniences that this may have caused you.
I’ve verified that the work has been completed and your account is now re-enabled for purchasing. In order to ensure that your payment instruments work as expected, you will need to go through the troubleshooting steps provided below. While these steps may seem inconvenient or unnecessary, they will ensure that payments are fully enabled to authorize on your Xbox LIVE account:
1.) Sign into your Xbox LIVE account on www.xbox.com, navigate to your account information, and change the contact email address you have on file so that it is different than your current Microsoft Account/ Windows Live ID (The email you use to sign into your profile).
2.) While still looking over your account information on www.xbox.com, please verify that the address and other information on file (such as your phone number) match the billing information associated with the payment instrument you are trying to add or use on your Xbox LIVE account.
Once the above steps have been completed, you should be able to resume purchases on Xbox LIVE using valid payment instruments within 24 - 48 hours from this email.
If you have any concerns regarding this notice, you may either reply to this message or contact Xbox Customer Support directly using the information available at www.xbox.com/.../contact, and reference the Service Request number above, and someone would be happy to assist you further.
Thank you for your patience while this issue was investigated and resolved - we look forward to seeing you on Xbox LIVE soon!
Xbox Customer Care Advocacy Specialist
Customer Advocacy & Exceptions Management Team