One of the issues with cc verification is that it blocks people due to the need to meet certain criteria to get a credit card. Another issue is that this will 'force' people into getting credit cards, when they may not have ever considered doing so, and credit cards can be very dangerous (not just their sharp edges).
Last I looked there was also a lack of fee free credit credits available these days, at least from anyone 'decent' (not the big 4)
I agree re: the 3rd party bollocks, that is a guaranteed no for me.