I'm a new local live gamer and it seems my timing was a bit in the offing... I've scoured other forums and it turns out that microsoft has implemented a new credit card verification system that requires the address you provide must match the billing address of your credit card. The problem is, now i need to enter my local kl adress yet i have to enter a singaporean post code since xbox live isn't official here in malaysia yet, however this gives me a verification error, and hence, i'm unable to subscribe for a 12 month gold account. Currently, i'm on a 1 month free trial and the days are going by fast. Please correct me if i am wrong in my observations, and i'd really appreciate it if someone could give me a step by step rundown of how they've managed to setup their local subscriptions. If it helps, i'm using a CIMB visa card. Thanks in advance for replying this noob-ish post.

thanks a lot! I didn't even know about cimb virtual card till you mentioned it. I'll call them asap and have them process it, thanks again!