Game with gold problem maybe?

Sorry, but there is no mistake, the problem is that you have a form of payment on your account, it is strange that because the game is free, many users do not like too, but this is how the system works.

Xbox 360 games require a credit card to be redeemed through the website or Xbox One, even if it's free, the only way to do it without a credit card is if you do it through an Xbox 360.

If you have not got a valid form of payment (Credit/Debit Card), then your only option is to use the Xbox 360 to get the game, as you need a credit/debit card attached to your account to get the game on your Xbox One or on the Xbox marketplace on xbox.com.

Alternatively, it could also be that you are under the age of 18, and cannot purchase backward compatible games on the Xbox One or xbox.com. Again your only option would be to get the game using the Xbox 360 instead.

Why would I need to add a credit card to download free 360 games to my Xbox? Don't ask me when buying Xbox one games or free ones too knowing i use the points cards when buying games so i don't understand why do 360 being a
[Mod removed- inappropriate] to download \install ??? yes over 18+

It's to do with how the Xbox 360 store works. You won't be charged, it is a throw back to 360 days.

If you have not got a valid form of payment (Credit/Debit Card), then your only option is to use the Xbox 360 to get the game, as you need a credit/debit card attached to your account to get the game on your Xbox One or on the Xbox marketplace on xbox.com.

Alternatively, it could also be that you are under the age of 18, and cannot purchase backward compatible games on the Xbox One or xbox.com. Again your only option would be to get the game using the Xbox 360 instead.