Reset the press pass setter
Have you tried paying for the upgrade of your account online with a computer at xbox.com? It might work then. And are these VISA cards debit or credit? Because they might only except credit. You might want to try using a different card. If nothing helps, then try going to your local Best Buy geek squad and asking them to do it for you. Basically, try to approach the problem from different angles. That is all I can do without seeing exactly what is happening.
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