When they take the CC off after 2 tries, you can put the same CC back on the same account and gain more time and use of the card, ebay will just verify it again. Your account is considered current until 30 days late. When you reach 30 days late, you will normally have 5-10 days. The last month or so, ebay seems to be tweaking things, and they are restricting 30 day late accounts after 1-5 days. REMEMBER - YOU CAN REUSE CC NUMBER ON THE SAME ACCOUNT A LONG AS THE ACCOUNT IS ACTIVE. Once the account is NARU, you should never try to use that CC again,.
I try to play the timing game as ebay bills in two cycles 1-15 and 16-31. As an example If you you are in billing cycle ending the 15th, and start listing on the 16 you will have 30 days listings before the first invoice hits your account. You will then have another 30 days to list before you are 30 days late and facing limited (not suspended account). Suspension will follow in 15-30 days.
I always have 4-6 selling accounts ready to start selling in both billing cycles. These accounts have have CC verified FB of 5 so I can list BIN and get FB (usually from my own buyer accounts) I always pay the few dollars for listing/value fees when I get the invoice see the account is current when I actually start using account.
Also note that ebay is ALWAYS changing their systems and logarithms, recently we lost 2-7 days that used to be available after 30 days late. Five years ago, you could got 90 days late, then they changed to 60 days late, then to 30 day late. They also constantly tweak things, so you need to be on your toes for maximum use of your accounts, | 
