Some answers:
When you are Immigrating as a PR, you are supposed to bring / prove to the officer that you are carrying Required Funds, as per CIC website (according to the size of your Family).
On the airplane you will get a Card (the one posted by cockandbull), and you will tick on the coloumn that declares that you have more than 10K.
Carrying less than 10K each, does not mean that you will not have to declare the funds. As you are Principal Applicant, you are supposed to carry the required funds, which even for 1 are more than 10K... So forget about skiping declaration (on first visit, as it is required to carry funds).
There ARE NO questions asked, except,"how much money do you have"....Some might check it, some wont. BUT it should be at hand and calculated, so that you can answer the question.
There is a coloumn on COPR that has to be filled by officer, regarding how much money you have.
Carrying less funds is a bad move, and will get you in trouble. Remember ITS A REQUIREMENT for Landing.
Bank Statement, Credit Cards, etc are not the way to go. Carry Bank Draft/Cash combination. Some officer will accept statements from banks that are in UK, US, EU etc, but, still a risky and unnecessary move. Forget about statement being accepted from Banks originating from other places. If you do get through with it do update us
As for Credit Cards/ATM Cards - No.
Dont sweat over the funds being more than 10K. You are immigrating and can bring whatever amount you like, NO QUESTIONS asked for amounts that are just completing your proof of funds. If you bring in Millions, then I dont know what questions they would ask
, even then if its legal and you can prove it, there should be no problem.
