If you applied for a tourist visa and it asked for a ton of stuff, then that means you applied for the multiple entry tourist visa, which you did not need for an 89 day stay. You could have applied for the single entry tourist visa, which barely has any requirements at all. But you don't need any visa, you can get a 60 day visa exempt entry, and apply for a 30-day extension, the exact same as a tourist visa.
TDAC has nothing to do with visas or your stay in Thailand. It's just an entry card required by everyone entering Thailand.
This is all but impossible now with the banking changes, because tourists cannot open a bank account, and showing money in a Thai bank account is a requirement for converting to the non-O visa.
Most embassies do not require a pension. They just require proof of income or proof of the 800,000 baht (or whatever the embassy's equivalent in local currency is) in a bank account.
You're mixing up information. You can get the 90-day non-O visa from the Thai embassy showing proof of monthly income, no problem.
But once you get to Thailand, for your first extension, the ONLY thing that the immigration office will accept is embassy certified income (not available to US citizens) or poof of 800,000 in your Thai bank account.
You could get the 1-year non-OA visa if you're willing to purchase the mandatory insurance and fulfill all the other requirements (health check, background check, etc).
If your income is high enough, you could potentially get an LTR Wealthy Pensioner 10-year visa.
Or you could use an agent in Thailand to bypass the money requirement altogether.
You might still need CoR. Every bank branch has their own requirements. You can try a few different branches before trying to get a CoR. Normally the ones in big malls are best. I think Emporium and Emquarter both have a branch, but you can just go down the BTS and stop at the various malls and try. Siam Paragon, Central World, Emquarter, etc.
There is no risk of denial. The only requirement for retirement extension is that you have 800,000 in your personal bank account for 2 full months at the time of the application for extension. There is no requirement that the money was an international transfer for the extension.
Also, if you have Kasikorn, there's a 99% chance that it will show as an international transfer anyways. And even if it didn't, you just go to the Thai bank the money was routed through and get their credit advice showing that it was international. There's no case where you are denied based only on this.
It's not a problem. Retirement EXTENSION using 800k is not required to be an international transfer. It's only when applying to convert from tourist to non-O inside of Thailand that has this requirements.
The people that are having problems are the ones using monthly transfers to qualify as proof of monthly income for their extensions.
If you want your transfer to show as international regardless, select the proper reason for the transfer and Wise will attempt to get it to show as an international transfer. Highly suggest getting a Kasikorn bank account for better odds based on recent reports.
But even if it doesn't show as international, the transfer into your bank account will show which Thai bank it came from. You go to that bank with your Wise receipt and ask them for a credit advice which will show that the money was international.
Travel expenses is absolutely NOT the reason you use for immigration. There's an option that says something like "for long term stay" which they specifically try to code as an international transfer for you. Any other reason they will do whatever is easiest for them.
If immigration accepted your application, they already approved it. I've never heard of anyone being rejected after their application was already accepted.
You're just lucky your immigration office is one that accepts international transfers for marriage extensions. Some immigration offices will only accept your monthly salary from your job in Thailand as proof of income for marriage.