So anyway, my XBox/Windows Live account got hacked this morning.  What does the Chinese perp do (I know he was Chinese due to the security question being changed to all Chinese characters  

  ) first?  He adds some other guy's credit card to my account since I have no card on my account.  He changes my address and proceeds to add 10,000 M$ points to my XBox account.  By the time this is done, I have already reclaimed my account, changed passwords, emails, etc.  I check the card and see it isn't mine, but go ahead and call M$ anyway.  Their response?  We don't refund money, you will have to challenge it with your bank.  It's not your card?  That's cool, you are all set.  

   Really?  I report fraud and I can keep these 10,000 points until the other poor SOB realizes he got his credit card stolen?  Something wrong with that, as they would not reverse the charges made literally 15 minutes before.  They even said they couldn't tell who was the card owner, and so it would have to come from their end.In the meantime, I am sitting on $125 worth of M$ Live Points.  
