They say a ratio of 1 is needed, but I doubt you will eb banned for anything below .6 in total ratio. There is no gaurantee for that though.

What you download without an account is tracked per torrent basis, so if you havn't gotten banned, then you won't get banned from that torrent at all by now most likely. Anything prior to the account isn't figured with the account, so making up for it won't be listed in the same place in the logs... Just keep a good ratio from now on...