Facebook ad Disabled Flag User memory?

I have researched a few posts and videos regarding ad accounts getting banned, and they recommended if you would like to restart an ad account, DO NOT promote the same product (basically restart your business with another name) and Do Not use the same credit card you used. Dont know about your profile picture if it is flagged too, because of the facial recognition.

Anyone has any info as to how true is the following info?
Anyone tried making a new account after their ad account was disabled and it runs or gets immediately banned because he tried promoting same name and same page name.

And the personal account if it is the same as the disabled one?