If this guy is percieved to be being harshly treated back in Singapore their tourists will stop coming to Thailand and they'll be quick about it. Common sense must prevail.
(1) AFAIK Wise does not issue credit cards - only debit cards.
(2) I believe Wise will not send a first debit card to Thailand. (Not sure about subsequent cards - not reached that point yet.)
As for spending the money, you can transfer to a Thai bank account and withdraw the money locally to spend (no steep ATM fee), or spend on a Thai debit card.
I guess the only confusion is because of the solid white lines - according to the article.
In my experience however they seem to make little difference in most instances
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