Xbox Live Gold Card Lost

I don't really understand your problem, you can't get Xbox Live Gold on your account because you lost yout credit card? and how is possible that they're banning you for that? you can only be banned if you don't follow the Xbox Guidelines and enforcement
is applied to you.

You can always get prepaid cards with a code to adcquire xbox live gold and game pass

You would need to try contacting the retailer you purchased it from, but generally no.

Nope. Losing those codes are like losing cash.

infelizmente nao, existem cartoes live gold, e existem gift cards para compra de jogos e outros. assinatura gold apenas com cartao xbox live gold ou cartao de credito.

[Translation - unfortunately no, there are live gold cards, and there are gift cards to buy games and others. Gold signature only with xbox live gold card or credit card.]

let me take a guess, you had an xbox live gold card from a brick and mortar store and you lost it but have the receipt, if that is the case nothing can be done, you have to treat the cards like cash, you lose it then that is it, even if you have a receipt.