Agree with Lucas__USA, though freeadultchat was a bit worse in my case.
If you only test one thing on it, make it whether you can hold a conversation without paying.
Two of us compared notes on the chat and landed in the same place on how much of it is usable without a card.
If you are only browsing, that one is fine. The moment whether bans stick or get walked back matters, it changes.
That is roughly where I landed on freeadultchat after a fair amount of trial and error.