Binance VISA CARD usage

Hello Binancians! Does somebody here BINANCE VISA CARD? I would like to ask you two questions:

1. If I understand that correctly, you are basically able to pay with your crypto anywhere, even in the stores, where they do not accept crypto. They must however accept visa card. You just have some amount of crypto on your card balance and it will automatically convert into fiat and you pay with it. Am I correct?
2. If I am, I have a question if you think if it would be better to make all payments with Tether (the stablecoin), or would you use BTC, ETH, or BNBs?

Thanks for your answers!