Generally speaking, you cannot complete a ride request with Uber or Lyft if you have no money on your card. You can use a different card that does contain adequate funds, but the apps are designed to decline ride requests unless payment can be confirmed. If this fails, then you might face overdraft fees.
The Uber algorithm simultaneously tracks and weighs a ton of factors. Those include your location, the driver’s location, the best route for your trip, how long the trip will be, how much traffic is in the area, the time of day, how many people are waiting for a ride, how much the ride should cost, and more.
There are a few reasons why Uber says your phone number is not supported. Potentially, your phone number is already in use, or it is an invalid number. Or sometimes, it is because you are unable to get through to its 2-step verification process, which of course results in being unable to sign into Uber.