You might want to do some looking around, I've seen a lot of people saying they are getting banned.
This is just one thread there are more out there:
http://www.blackhatworld.com/blackhat-seo/adwords/428729-adwords-banning-me-everytime.html
That depends on your country, if you're from the U.S all you need is the voucher.
And as for your Adwords account getting banned, you can always open a new one
I had all of my accounts banned at the same time. I feel the only thing they had in common was the coupon source. I also used fake phone numbers. Some of the ads were runnin but. Near end. Do you think google followed up with a phone call. I am in USA
It depends on countries, the activation may cost differently. In any case it is better to activate $5-10 vcc, then the less likely that your account will be banned.
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