"dont bot for a week or so"? Do you really think in a week or so Cipsoft will stop to delete people? Maybe they will but it won't be because they stopped looking for botters (why would they?) but because they need some more time to track down the botters. So botting in the times with less bans/deletion is just giving evidences to cipsoft about your botted chars.
Simply don't bot chars you dont want to lose
that doesnt make sense at all, Visa and other credit cards aren't liked by the shops/sellers since they need to pay the %s of the revenue to Visa, Mastercard, Amex etc. So cipsoft rather hates ppl using credit cards as payment method.