Help With Microsoft Money & Xbox Live Avatar Items

[HM02]

This is pissing me off. I have money in my damn Microflop account and I want to buy items for my avatar in the store. Because the point system is gone and requires money now. So why tf can't I buy stuff? It's in my xbox/microsoft account saying that I have money..but when I try to buy something it won't let me. I've looked everywhere for a solution but I didn't find anything.