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This problem appears to me when I try to buy a toy from the Argentine store
#visa card fix
clear walrus
strong bay
You've now got 3 different support posts for teh same problem 😦
errr forum search is hard.... maybe it is 4 posts now
You need to contact your bank to ensure your credit card isn't locked, expired, under fraud watch etc.
And if the bank says it works, then you shoudl try contacting Xbox support for account assistance