About the ranked rewards

Do you need honor level 2 to receive it? I just got chat banned for calling a guy i was arguing with in post-game lobby a retard. Kind of annoying because its not like there was anyone else there and he could have left at any time so i dont really see why its punishable but whatever. Is it even possible to get back to honor 2 before rewards drop or do i really lose a whole years worth of effort because of this
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