(More tests will have to be run to confirm if this is a credit vs debit card problem, or if my visa just simply wasn't working properly, however I had just used it to buy Dead by Daylight the day before) After switching to the Mastercard, everything seemed fine. I tried with my VISA for quite some time and was only left with a never ending loading screen after confirming my purchase. Note that you MUST use a credit card to purchase the game. You must now sign into your microsoft account (the one associated with your gamer profile) in order to link the purchase to your xbox.
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