I'm not sure om the first question because I use SimpleLogin for email masking instead, but the second one it is advised to use your bank info so there are no fees. The plan I am on I get unlimited masked cards as long as I use a bank. There is a fee to use a credit card. There is a minimum amount per masked card of $10 but you can immediately request a refund once you use whatever amount or if they just pre-authorize something.