@l_mRGogo First, if EA wants to remain certified for PCI DSS, they can't know your actual credit card number. They can't tie an account to that credit card number. They can't share that credit number with your name between departments. No one at EA is authorized to see the number. They use encrypted tokens instead. So, first, trying to use a credit card number as a form of account verification isn't just a challenge, it's likely illegal in most countries.
Second, looking beyond that fact, how difficult do you think it is for someone who wants to cheat to open a new account with a different payment option? Would it take them 1 day, 2 days, 3 days?
So, your solution doesn't do much to actually deter cheating, and instead comes with a load of negative impacts on players who just want to download the game from the PS store and start playing. Can you imagine what some parents would do if their kid said, "Mom, I can't play Apex anymore unless you give it your bank account info or a cell phone number"?
The benefits just don't justify the cost, at least in my opinion. Of course, I respect your opinion as well. I guess EA will weigh the options available.