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Can't use a credit card to pay for All Access, and the financing is through a third party. Sounds like a little bit of a hastle : r/XboxSeriesX
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:max_bytes(150000):strip_icc()/INV_XBoxMastercard_GettyImages-1619470736-515c9a12248547aa9829d3f7ec27c864.jpg "Hard-Core Gamers Rejoice: New Xbox Mastercard Is Arriving")
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