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you should already have it now mate, they upgraded everyone (or so i thought) a few months back, no need to wait till the card expires.
suffice to say iirc, any Visa, Amex or Mastercard works with buying XBL and Points. :cool:
In my instance, i've owned my 360 since launch, never really wanted a PS3, played friends ones and i liked everything apart from the games, i prefer the games on the 360.
the thing that sells it for me is, bluray, playTV, "OK" web browsing, swappable HDD's and on the previous fatboy version...
having played it again on morocco course with the eclipse, i found the harder you made it the harder it was to control the car round corners (felt like on sheet of ice), the easier you made it the easier the car would grip and go round corners?!
also played it online last night with a load of...
these http://www.play.com/Electronics/Electronics/4-/3317649/Sony-MDR-EX85-In-Ear-Headphones/Product.html?ptsl=1&ob=Price&fb=0&&engine=froogle_electronics&keyword=Sony+MDR-EX85+In+Ear+Headphones+(White)&_$ja=tsid:11518%7Ccc:%7Cprd:3317649%7Ccat:Portable
or these...