Sounds like a carding question but it isn't.
I have this credit card that I own, and I withdrew the max per month on from regular ATMs, but I need a bit more, are there any more efficient ways than just having random supermarkets give you a hundred or two in cash at a time?
Even if it's locally it doesn't mean that a person with nefarious intents won't be able to access it. There's a backdoor that is built into modern chips that can't be detected by AntiVirus.