Hi Alison!
Thanks for stopping by planDisney! What a sweet gift from your parents!
I’m happy to let you know that you’ll be able to link a separate credit card to your
MagicBand. That way, your parents don’t end up with a much bigger bill than they were expecting!
When you arrive at your
Disney World resort, just stop by the front desk. A Cast Member there will be happy to ensure it’s your card that will be billed for any MagicBand charges throughout your vacation.
In my experience, you can also pay off that balance with a
Disney gift card. The Cast Members will automatically apply any charges made to your MagicBand to your credit card on file. But you can visit the front desk before the charges are applied to pay off that balance with your gift card if you’d like.
I usually head to the front desk the night before check-out to pay our balance, but if your trip is longer, they’ll likely charge your credit card on the fifth night of your stay and the early morning hours of your check-out date. When you check in and get your credit card set up, double-check the times that the charges will be applied if you plan to use a Disney gift card.
I hope that helps…and that you have the best time! Let us know if you have any other questions!
Jenn J.