Hi Albert! Welcome back to the Disney Parks Moms Panel! I was once that invited friend on someone else's family vacation to Walt Disney World Resort and I still think about the memories made all those years ago.
I have good news for you - there are two ways to accomplish linking an individual credit card to each individual
MagicBand for the non-family members in your reservation.
Way One: ask each of your invited guests to log in to their
MyDisneyExperience accounts any time between now and a few days before your groups' arrival. Once on the main page, mouse over to the "MyDisneyExperience" tab all the way on the right of the tab bar at the top of the screen. Under the "My Account" section of the MyDisneyExperience dropdown, select "My Profile." Once on the My Profile page, the sixth (and last) option is to add a payment method. From there not only can a designated debit or credit card be set for the traveling teen, so can the four-digit PIN number that will need to be entered after every purchase, to ensure that the MagicBand holder is the only one making purchases.
Way Two: After your group has arrived, checked-in and been assigned room numbers, each teen can contact home giving their room number to their parents. The parents can then call your resort hotel and set up a card over the phone. The bonus of this route is parents can also establish a spending limit to be set daily or over the entire trip.
Thank you so much for reaching out to the Disney Parks Moms Panel, Albert, and I hope your entire group has a blast!
~Kristen