They will not check the amount you have in your pocket . A friend of mine travelled with me , and he had 19k usd in his pocket. His pocket was little bumpy, so security officer asked him what  was that and he replied it's money. Also the officer asked the total amount and he said it was 4k.
And about credit card, if you swipe your card in Nepal, you will get extra charged for using outside United States ( if you are in US) unless the bank has special offers.