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What happened when your parents phoned up?
My parents know I pay for habbo credits because I pay it all back on my bill, but I think they'd go mad if I got banned for spending so much.
Is it possible to get unbanned just through the help tool?
And they don't phone home or contact the bank do they?
If you are banned for suspicious spending, yes you can appeal your banned using the Habbo Help Tool. Just click the option that says, "I think i've been banned" then appeal your banned and give a good reason why your banned should be lifted. They will not call home or contact the bank, but they may have to ask you the way you paid for the credits and then you will have to answer a few other questions, but they will not contact your home phone or bank.
Dont they usually ban for this if people are doing credit fraud?
Nope, we don't spend our wages on Habbo.
This happened to commoncurtis, he brought 1000 credits and was banned hours later. Never appealed but I would advise you to if you brought ligitimately.