Quote: "That guy can't understand why you ever need to cancel credit card. Selling console! But M$ don't like reselling, they (rumour) want to make some game reselling protection in future, so they make selling protection by... fixing your credit card in system. Smartly done"
Not entirely sure what you mean by that. The credit card is attached to an Xbox Live
account, not a console. As long as the account is removed from the Xbox (preferably through a factory reset) you can resell your Xbox with no issue. If you are reselling your
account, you are probably a moron.
Quote: "Wikipedia says that it does."
I've used cloud saves on my Xbox. I have not been charged for doing so, unless you count the XBL subscription itself (which I *assume* you need for the cloud save option).