Dongs Macabre
aka Daedalos42
is it possible to just make a free paypal account with nothing connected to it then link that to your xbl account so you can have access to your points?
I don't have this problem but it's just an idea.
Nope, you need to attach your credit card or bank account to the PayPal.
It's really not that bad. You could probably just buy a prepaid Visa from a store and attach it to your account, I think.