Great idea.

I ALMOST went back to the safety of CCs upfront (http://planscope.io/blog/why-im-going-back-to-capturing-cred...) but ended up sticking with it. And I'm glad I did, because growth is significantly higher and there are fewer cancelations.

The big takeaway: People do more research before plugging in their credit card. If it's relatively low friction to sign up for a trial of your product, you need to make sure your onboarding flow isn't just about how to use your product, but why (e.g. the typical responsibility of your features / tour pages.)