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There are a few reasons as to why people get credit banned in Reach. The primary reason for it these days seems to be for not playing during Firefight or matchmaking games. Going "AFK" so to speak. Though there are a lot of other things people do to try to gain credit, and end up being banned for it.
I suggest you take this to 343's forum (halo.xbox.com) or our Halo Reach Forum. This is off topic in this forum however, so I'm going to lock it. Good luck.