@Ana1136,
I'm a fellow host, I could say I know very well most of Airbnb process but I no more use the site as a guest more than 1 times per year to spend my SH bonus. Why? Because even if I am a SH since 4 years, with a verified profile, many good reviews I barely never succeed to go through Airbnb CC verification process!!! I created a paypal account I use to book (only through a laptop because if not Airbnb will charge my paypal account in USD without any option to change it from the app)!
As a host in the past 4 years I only had to go through 1 or 2 cancellation per year. Since april I got 8, most of them related to payment failed (less upfront payment with issue with the 2nd payment, pending payment due to guests not able to go through Airbnb CC verification process, shared payment and one the guests didn't succeed to pay).
Airbnb CC verification process is designed to prevent frauds based on the US CC rules. European ones (at least french ones) are stricter: many bank oblige you to pay through internet with a virtual CC for a precise amount.
My personal credit card has an additional integrated chip which generates a new cryptocode each 45min while Airbnb full CC verification process is 24h long...