The "Freeola Customer Forum" forum, which includes Retro Game Reviews, has been archived and is now read-only. You cannot post here or create a new thread or review on this forum.
"To have an Xbox Live account, you must be at least 18 years old and have a major credit card (Visa, MasterCard, or American Express)."
And yeah, you need a credit card to use the years subscription code that comes in the Xbox Live Starter Kit.