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KingCherry said:
My account was set for auto-renew using my credit card, but my card had expired.

Therefore my account was banned after a few weeks when they couldn't auto-renew.

That's not an acceptable reason to ban me. My Gold should have just expired, the same as when using a sub card.

Your Live account is suspended in this case, it isn't a ban. As it pertains to the 360, you'd still have access to your games. So I assume it would be true for the Xbone as well. And they suspend it because of the grace period they give you when a card is declined. After a month or so of "extra" Live time, you owe them money. A shitty policy but easily avoided by simply keeping your stuff up to date.