QUOTE(danielcmugen @ Aug 13 2012, 05:25 PM)
I'm confused now, why does this guide exist?
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GUIDE TO LINK CREDIT CARD TO SINGAPORE WINDOWS PHONE 7 MARKETPLACE AND BUY APPS IN MALAYSIA!
1. Sign up for a Windows LIVE account (www.hotmail.com) that is registered to a real Singapore address. Go search for a real Singapore post code from the net. It doesn't matter if you don't live there. I don't know if it matters, but select the 'hotmail.com' option
2. Once you've done that, go to www.xbox.com. First thing you do is the change locale at the top left corner from US (by default) to Singapore. Not sure if this matters, but just in case. Then choose the JOIN NOW option at the top right corner.
3. When you are redirected to the type of Xbox Live account page you want, you can opt for the FREE option.
4. In the page where you are required to key in your email, type in the email you've just created. You will then be redirected to a page when you need to key in some basic contact details. Do the necessary. For some strange reason, the month of your birthday selection box will be in Chinese but since its arranged numerically, it's not an issue unless you cannot count to 12. Click I ACCEPT to proceed.
5. In the next page, you can set your 'gamertag' of your choice. A gamertag is your nickname/avatar on Xbox Live. The first time is free so choose wisely. To change your gamertag next time, its 800 MS points or about RM30. After choosing your gamertag, go back to MY ACCOUNT.
6. Under the ACCOUNT INFORMATION option, choose EDIT PAYMENT OPTIONS. In the next page, fill in a real Singapore address you chose earlier and click NEXT.
7. In the next page is where you fill up your Malaysian credit card details. Do the necessary. No need to change the Singapore address you've just keyed in. Click NEXT to proceed.
8. And you're done! Your credit card is now linked to your LIVE account.* Note that if you've created a fresh LIVE account for this, you need to hard reset your phone and tie in the new LIVE account. That also means that all your contacts and info on LIVE (Messenger, hotmail, etc) is gone. Sorry.
*Okay. I have to note that I did not make any transactions to see if my card works with this newly created account. My card (Citibank Visa) works with my existing LIVE account so there should be no reason that it doesn't. So, please report back if this doesn't work ok? No need to complain or b**** about it.
GUIDE TO LINK DEBIT CARD TO SINGAPORE WINDOWS PHONE 7 MARKETPLACE AND BUY APPS IN MALAYSIA!
Any ATM Debit Cards with [VISA]/[MASTER] Logo can do online purchase,just make sure you've activate online purchase through your Online Banking. Once Activated just login Live Account Follow Step # 1
Why need to susah2 change to SG and all that? Since by default it will bring u to the US marketplace, I'm not sure where it will head u to if your live account is registered under Malaysia since mine is SG. And...why the need of step 2 onwards?

I've only done step 1 and those xbox live thingy looks complete to me.
Let's say u register under Malaysian live account and it brings u to US marketplace by default. Assuming the user have never seen this guide, he would click "buy" to purchase an app. I've tried that and it asks u to add a credit card. Once u click "Add a credit card", it will ask u to sign in to your live acc and then key in your credit card details. It recognizes u as a Malaysian(mine SG since I registered under SG) user and got mastercard visa blablabla.
If can I wanna switch back to Malaysia liao, since still can use US marketplace. Unless after the credit card part, the marketplace switches to Malaysia? Anyone tried?

A long long time ago...Malaysia marketplace is not there yet and doesn't live up to other more WP focused country thanks to the local rules and regulations, many apps have to resubmit their apps in order to be display in Malaysia Marketplace specifically so during the early days of WP7, we have to register a SG or US account to get the most out of the Marketplace.
For example,
moBudget can be seen in US market but not in MY market because the team behind moBudget didn't really update their app on Marketplace, the same goes to many many other apps out there so you won't get the complete one. There are many restrictions for WP7 in Malaysia, stuff like the Bing audio search(not sure if this still exists), local scout, zune market, xbox live and some others.
Selecting an app on the US marketplace under a MY registered account will
teleports you to MY marketplace.

And speaking of MY Marketplace, it's in bahasa malaysia.