Bing has became a major pain in the ass when it comes to adding a payment method. I had to go through several hoops just to get a legit account setup and running. Bing bans 99% of all vcc's out there and the ones that work 99% of the people keep to themselves. I suggest you setup a legit account with a real credit card or paypal. If you get the auto-ban then contact support and they should unlock your account assuming your info and payment method is legit.
I really don't understand people who buy bing accounts at the going price of $30-$40. Anyone that knows anything about PPC knows that on brand new accounts you will be paying much much more per click vs someone who has an established history behind a campaign and decent CTR who will be paying much less per click at the same avg position.
Back when coupon packs worked bing ads vouchers + vcc was a goldmine but it's hardly even worth paying $30-$40 now to get $150ish worth of clicks and in a fraudulent manner since it won't be able to bill successfully after hitting the threshold.
I highly suggest you guys that buy these $150ish accounts that you try to setup your own legit accounts and try getting some history behind your campaigns. You'll see 2-5x less CPC depending on the niche then when you first start out on a new account ASSUMING you have a decent CTR, negative keywords, and ad in general. Good luck!