VAC bans are only for cheating in games, you shouldn't get one. Can't say the same about getting your account locked though, but Valve usually doesn't do stuff like that
Agreed. The only time I was suspended was because I filed a charge back for an incomplete, buggy game that was sold as finished. It took so long to even get running that I was just over the refund time limit and they refused to make an exception. There was some verbiage about being banned if I continued to do charge backs. I just stopped using Steam.
Well if you're talking about a charge back on a cc they might get mad but I've refunded 10's of games through steams refund page with no problems over the years. Some people even treat the 2 hrs within 2 weeks as a trial period for games to test them out.