Would you mind explaining the reasoning behind that? 
From where I’m standing, my bank has no bearing on my i.p. address or the emails I used to purchase things. It would only make a difference at Gumroad? (I followed the advice on their website for when they blacklist a credit card)
Edited to specify: if gumroad was blocked by my bank, it would simply be blocked, whatever IP or email I use wouldn’t make a difference to them, would it?