I have seen some random posts, and emailed directly with a few people here who couldn't get in. No idea what the time limit is, but probably 4 or 5+ years.

And yes, once Capone bans you they will shut down everything. They even went after my 12-mo CD! I didn't think it was possible to have an issuer call a CD prematurely, but they did it AND tried to charge me early termination fee. Had to threaten CFBP with their minions to get the fees waived.