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I think VAC ban prevents your from playing certain servers that are vac protected
You could trade as long as your not trade ban
You can't sell or buy if your trade ban
You can't trade items either
Vac bans are Forever
I think you have to start fresh in your other account
It has nothing to do with your new payment method
Its not forcing you to use the money
You just can't access the CSGO store or the market
You could access the Steam Store though
Your items are stucked too