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Ah! Here is the funny thing: Now your issue is card testers blowing up your dispute rates!

Putting in a CC for a trial to access your service doesn't end up deterring anybody because you can just buy a massive CSV with stolen details for relatively cheap. Even if they're frozen/cancelled, the card numbers are still valid numbers. If you want to pay to authenticate each and every one of them, you'll probably run yourself dry.

Can also just use old empty VISA gift cards, ethically sourced from relatives and friends of course.

with that, besides the issues other commenters raised, you're also putting off a very significant portion of legitimate users, who for any number of reasons may not want or be able to put a credit card into your site, even if they completely trust you