Hi Lori,
Welcome to the Disney Parks Moms Panel! I have been in your situation several times. I travel to the Walt Disney World Resort with my friends frequently. We all want to have the ability to charge purchases on our MagicBands.
My first recommendation is to visit the front desk of your
Walt Disney World Resort Hotel. Tell the Cast Members that you want to associate your MagicBands to your personal credit cards. We have been able to do this with four friends sharing a room linking four different credit cards. It can take a little time but it's certainly worth it.
Your other option is to have one credit card associated with the room. You can visit the
Lobby Concierge at your Resort Hotel and ask for a printout of charges every day or so. The printouts will clearly state which MagicBand charged which purchase. You can add up the amounts and settle between yourselves.
Even if you have your own credit card associated with your
MagicBand, I strongly suggest getting a printout of charges during the middle of your vacation. If there have been any errors, they are much easier to correct when you are still there. I have found the Front Desk and Lobby Concierge Cast Members extremely helpful.
Lori, thank you for visiting us with your question. I hope you will let us know if we can help you with any other planning questions.
Wishing you a magical vacation,
Amy H.