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Custom ROMs have had just about enough of being Android's second-class citizens
(www.androidauthority.com)
This is a most excellent place for technology news and articles.
Yes this depends on the linked card, the software you are using and sometimes vendor limits. Many banks have a cardless withdrawal from atm option as a backup if there happens to be atm nearby. These can have pretty high limits. There are also card generating apps like cash app where you create a cc number on the fly. In a pinch most vendors can easily split the cost of something across different cards if one is maxing out.