Nope, I have an enterprise account that I use heavily during my day job.

I registered it for my personal business, using my business credit card and I see the payment has been reserved in my banking app, but it hasn't fully registered yet?

It was a Mastercard credit card, and I'm wondering if something along the likes of "3D Secure" credit card protection did this..

The only other explanation I have is that I was trying to connect Zed with Claude, so that redirected me to the Claude site, I registered an account and it said it needed a pro license, so I plugged in my CC details and off it went.

Upon returning the OAuth (or w/e auth it is) back to Zed; it logged me out and told me i was banned.

That's probably why. You're not allowed to use the subscription with any other coding harness other than Claude Code.

You may want to get Claude through either GitHub CoPilot or AWS Bedrock. Bedrock has the advantage of pay-as-you go.