there are a few things to consider; if you have a Thai bank then you can do it in Thai (800kthb in the bank 2months before) if you have no Thai bank you need to get it in your homecountry (90day non imm visa) when you get to Thailand you can extened it for 1 year
I've just had a look and I've linked my credit card to be able to "Pay" so if there is a shop that doesn't accept a credit card but they accept TrueMoney you can use it and charge it to your credit card. I might use it a little more.
perhaps a different question to unlock the mystery of what visa your on, do you have to show 400kthb (marriage or support a Thai child) or 800kthb (over 50thb or retirement) when you get the new visa?
If you are divorced your will have change onto a regular over 50 or retirement visa extension. With all the financial and other constraints. Your probably not on retirement visa at the moment, but one to support your spouse or thai child. Note: the day your are divorced your visa extension ends, and must apply for your new one.
There are two levels on the card basic and advanced. Advanced needs more verification to the know Your Customer Level (KYC) level, but gives you more features like Prompt Pay, higher transaction levels and abilty to link your bank or card.