This makes sense for free tiers of products, but if you provide CC info for a paid tier, you shouldn't also have to provide a phone number. One or the other.
I think people can use stolen / one-time use / prepaid / limited purchase size credit cards fairly easily, too. And you might not find out until after they've racked up a non-trivial amount of costs.
- Account creation usually happens before plan selection & payment. Most users start at free, then add a CC later either during on-boarding or after finishing their trial.
- Virtual credit cards are very easy to create. You can signup with credit card with a very low limit and just use the free tier tokens.
