[misantroop]

Microsoft help pages claiming that they will not refund your unused credits if your card has expired or details changed. So Microsoft effectively is taking all the users credit for themselves. Filing a complain with the appropriate EU regulator on this as debit/credit cards expire regularly and that's just an excuse for Microsoft to take your funds.

[switch007]

Legally I'm sure they're covered. We've probably purchased non refundable "credits" that just happen to show in a format that resembles money but absolutely aren't money or exchangeable for money.

It's not their first time at taking our unused money, sorry credits