Nothing to worry about. The reference is merely an abbreviation for "Deposit Transfer From Electronic Channel" in plain words an electronic transfer from abroad which is what Wise does.

Have you tried to change your visa at an Immigration office in Thailand? Not necessarily in Bangkok, a regional office such as in Chiang Mai or Phuket?

This is exactly the trivial red-tape nonsense that is doing damage to Thailand's reputation. It is not any business of immigration department to determine what bank account a traveller is using to fulfill the legal requirements of a security deposit so long as the 800,000 baht is evidenced in the paperwork.

No. The minimum age for a Thai retirement visa is 50.

Don't wait so long. Go as soon as you can.

You are still married unless you have completed a divorce.

No problem. You report to Immigration from your residential address. The address of your business is not relevant for Immigration reporting. Is there an Immigration office in the city where you live? Have you looked into reporting online?

The issue for the Immigration officer is to determine whether you're using repeated tourist visas or exemptions when your actual intention is long-term residence in Thailand without applying for a long-term visa. Some people get away with it as scrutiny is not always strict and thorough, but you've had a close shave. Decide for yourself whether a long-term residence visa is more suitable for your lifestyle choices, and get your act together on the financial requirements that go along with applying for it. Immigration have discretion to refuse entry if your pattern of travel indicates you're resident in Thailand without the correct visa.

If you're running out of pages, GET A NEW PASSPORT. Don't wait till the expiry date. Many countries will refuse entry if you don't have enough space for official stamps. A Lao visa for example takes up a whole passport page.

You can't apply for a visa for someone else. She has to apply through the visa service operating for the US Embassy in Bangkok. The key issue is that her application must prove she has strong reasons to return to Thailand. And you have a problem there because being your girlfriend means she has strong reasons to remain with you in the US. You must provide supporting evidence of your ties to life in Thsiland and hers, such a property, business, investment, family. The US Immigration are clued up about Thai girlfriends trying to get to the US so tread carefully and be thorough with the preparation and supporting documentation.