Buy Xbox 360 Gold with Microsoft Account Credit?

I have loaded 25 euro on my microsoft account and want to get me Xbox Gold but they always want the credit card or so I say although enough on the Microsoft account to buy 3 months of gold why they do not accept this and still want my credit card and have debit no.

That will not do. I do not know why, but it just can't be done. Alternatively, you can buy an Xbox Live Gold prepaid card from the electronics store or supermarket.