Other reasons to get your account banned
Your Personal Information:
Offender revealed personal contact information about themselves in a public area, such as email addresses, phone numbers, or physical addresses.
So you're in a game with some friends he wants to call you later and he tells you that's he's lost your mobile number - so you tell him. BANNED.
Wow, these guys are STRICT!
The section this guy was banned under was this:
Reversal of Charges:
A console or account may be banned due to having a credit card charge reversed or "charge back" resulting in debt. A charge back can include credit card theft, identity theft, or non-approved use.
Which basically means that you are held responsible for things that are not under your control. This is known as a FAIL.