UPDATE YOUR WEBSITE SO WE CAN BUY FREE STUFF WITHOUT A PAYMENT OPTION

Try using the Feedback Forum. Also try not to be quite so vulgar in your posts.

If you're trying to purchase the free games on the website, then that's why it's asking for a payment option. The website hasn't been updated to work with the new currency system yet so it requires a payment option. If you make the purchase on the console,
you don't need to add a payment option.

we know you must have a payment option on file but if you dont want to have an payment option then you must do it on the console till the website is updated

the current way to get it on the console is either to select ms points ala ms account now adays

or payment option which it doesn;t charge most people still get the download for free without changing payment option i do whenever i download games for gold

because the website is not setup for ms account currency as a payment option

to purchase free content via the website you must download by having a payment option on file

this does not charge your card it just confirms your location

if you want to download free content without a card you must download via the console

Not exactly

To buy 360 games you must have a payment option on file to do website purchases

Even free because they aren't free you arent paying though

Its considered a 0.00 purchase so in order to buy it you must have a payment option on file