Actual Gaming!! 17+ with few exceptions!

21 single player achievements, 17 online, 11 secret. a lot of challenges and a few fun sounding side mission achievements. they also have the standard 100% game completion which you'll probably be able to get before beating the actual campaign.

Ummm It never gave you full access it depended in the game itself

Games with gold was never a perk nor was ranked matches except for very few titles but it varied

Destiny requires paid actual gold

buying the game doesn't mean you qualify

You need to play online and be over the age of 17

Also be in a qualifying region which is any Xbox region except Japan or china

Kinda did a catch 22 there. You want help with a game that is a few years old, but limit it to only people 17 and under. The game is MA, so technically you shouldn't be playing it unless you are 17 or over. That leaves you with the age of 17. I think
you'll find more mature people willing to help if you didn't have that 17 or under limit.

If those are your VIP rebate credits, they've actually only been pending since October 17 (rebates are just shown with the last date of the month they are for). They should be deposited in the next few days as long as you have over 5,000 pending.