if you set it up on the 360 or call the 1800 4MYXBOX number and give them a credit card on file they will charge the card based on what plan you have (1, 3, or 12 etc). if you just buy the subscription cards in the store you never get charged when the card runs out, it just goes from gold (multiplayer) to silver (no multiplayer, but you can still download demos and stuff).
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"May the forces of evil become confused on the way to your house."
George Carlin
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