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Using monrey that you get?

Yea. You can go into gracie gracie with 0 bells and you can pay with the card if you have enough money in the bank.
 
Which is a stupid addition because it's coming straight from your account which you added to.

It should be like a credit card where you use it and get a bill in the mail.
 
Everyone else answered well enough - I'll just add that you can't carry more than 99,999 Bells in your pockets, so you actually need the card if you're buying something like Gracie furniture. :)
 
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