Can't use my account Balance buy game

You can't buy a gift card with funds in your Microsoft account balance. That would be essentially buying a gift card with a gift card. You would need to buy a game or other content in the store and use your account balance as the payment method.

unfortunately you can't use your microsoft account balance to buy live.

Hi

Unfortunately to purchase Xbox 360 games on your Xbox one you need to have a payment option associated with your account and you should then hopefully be able to use your account credit.

Please see things to note from the link below

https://majornelson.com/blog/xbox-one-backward-compatibility/

• You have to have a valid payment option on file to purchase any title.
• If a game is free, you’re still required to “purchase” it – you just won’t be charged anything for it.
• The Xbox 360 Marketplace and the Xbox One Store websites use different architecture, so if you have credit but no payment option associated with your account, you won’t be able to use the credit to purchase Xbox 360 titles. You will have to add a payment
  option or purchase the title using an Xbox 360 console.
  

Hold on I have another problem: When I try to change it I can't use the balance in my account to buy the change. Can you please help my find a way to use it to buy the change?

Hi Nirvana8517, my name is Rodrigo. I'm an Independent Advisor and a member of the Microsoft community and I'd love to assist you today.

We can't use the account balance to purchase consoles from the Microsoft Store.

For more information: https://support.xbox.com/help/subscriptions-billing/buy-games-apps/account-balance-purchase