If you were banned then it was by Team10, not Microsoft themselves. In that case your gamertag will be blocked from the game's servers, but you should still be able to play offline. If you want to re-purchase the game, you'll have to do so with a different gamertag. Alternatively, if you had an Xbox, you should be able to install the game with the account you bought it under and then PLAY it with a different gamertag and be fine. Not sure if there's a way to do that with PC...
Yes, the credits do not work.
It was short, then there was a game crash and it does not work anymore.
You drive, stop the car and press F4, now you're under the map and no matter what you do after that, the game crashes.
If one reports it is only said "The Trainer works as he should" But this is not so!
In the picture you can see what happens after pressing F4.
You do know that F4 is the teleport option right? Credits are numpad 4 and 5.
It works. I set credits to 100k, 100m, and then 400 million earlier today using the buy tires, hit 4 to capture, wait for deactivation, and spam 5 while in the save screen. The method has been listed previously in the threads if you want more detail. It works. Credits worked before patch with old trainer. Credit set works with newest patch and newest trainer.