Guy has 33,000 GameSpot/GameFAQ posts. Why are you debating with him like he has a shred of relevancy?
Anyway, I had a similar situation to this. It was on auto-renew on a credit card that got jacked in a hack on an internet retailer (thanks Cables2Go). Needless to say, card was cancelled. Thing is, I hardly use Xbox Live and never check that Windows Live e-mail nonsense, so 6 months down the road when I decided to give multiplayer another spin I get an error code when trying to renew. They told me the same thing, that I had an outstanding balance to pay before they would let me back on. So, I said thanks but no thanks and kept my $60 in my account.
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