1. Use a true name of a friend of yours if possible. Using the same name will link accounts, but they're not known to ban for linked accounts.
2. Billing info also links, especially credit cards.
False.
If I'm running a business and I see two clients are using the same credit card, I'm going to assume their the same person. Will I bring that up to them? No, but that doesn't deny the fact that they're the same.
I should also clarify that if you make up a totally fake name, say Carmen Sandiago, if your account gets "compromised" and Blizzard locks it, you're going to have a hell of a time getting it back. That is, you need to
prove to Blizzard that you are truly the one who created the account, and if you're not Carmen Sandiago, you're going to have fun doing that, which is why I recommended a friend.