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Linking Credit Card to Magic Band

Discussion in 'Using MyMagic+, FastPass+ and My Disney Experience' started by Minnie1986, Sep 21, 2015.

  1. Minnie1986

    Minnie1986 Well-Known Member

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    Apparently, there is also an option to link your credit card information to your Magic Band, so that you can just use that to pay for your purchases in the park, Has anyone actually done this? What was your general experience? I don't see how this would be the most secure of things to do, but then again, I may be paranoid. Thanks!
     
  2. Tom

    Tom Tom

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    Yes, you'll want to do that. You set your master Credit Card in your My Disney Experience profile, where it's saved and secured.

    Then, when you do Online Check-In for your resort stay, it will ask if you want to link a Credit Card. If so, you just select the saved one from your profile.

    They'll have to confirm the card at actual check-in. I believe they either look at the last 4, or they'll actually swipe it through a reader.

    Anytime you use your Magic Band to make a purchase, you also have to enter a 4-digit PIN (like at an ATM). So if you were to lose your band, someone else can't charge to your room or use Dining Plan credits, unless they also know your pin.

    Also, when you realize you've lost a band, you can go into My Disney Experience and de-activate it. That way, if someone finds it, it's useless.
     
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  3. Rob562

    Rob562 Well-Known Member

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    And to make on extra point clear from the thorough information from @Tom in case the OP is thinking this way...

    Charging using your Band is *only* available to Guests staying at a WDW resort. Even if you have a Band (from a previous trip or one that you've bought separately), it is not available if you are staying off-site.

    -Rob
     
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  4. Minnie1986

    Minnie1986 Well-Known Member Original Poster

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    Thanks to you both. I am staying onsite and am trying to decide how I feel about having my CC info linked to something I'll be wearing around my wrist.
     
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  5. Rob562

    Rob562 Well-Known Member

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    It's not directly linked to your Band. Rather, the cash register system uses your Band serial number to look up "you" and find your *room charge* account. Anything you charge actually goes onto your room account and isn't charged to your card until the night before you check out (or mid-trip if you reach your charging limit). And the whole thing is secured with a PIN number that you choose.

    -Rob
     
  6. Minnie1986

    Minnie1986 Well-Known Member Original Poster

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    That makes more sense. Thanks for the clarification!
     
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  7. JohnD

    JohnD Well-Known Member

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    Agree. It's a good thing your MB isn't directly linked to your credit card anyway but to your room. Ultimately, it all ends up on your card but this provides an extra layer of security.
     
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  8. PrincessJenn5795

    PrincessJenn5795 Active Member

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    We did it. It is handy. The cool thing was that we could also allow our kids (11 and 14 at the time) make purchases, but could put a dollar limit on it. They liked being able to run and grab a snack if we were at the pool or grab a bottle of water somewhere on their own.
     
  9. Danno0209

    Danno0209 Member

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    A little side question...are you able to monitor your spending on a daily basis? Something like how I can check the balance of my debit card through the mobile banking app and see transactions. Just wondering because I was planning on linking my debit card but need to monitor my spending to an extent.
     
  10. Rob562

    Rob562 Well-Known Member

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    You would have to visit the front desk and ask them for a printout of your charges.

    -Rob
     
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  11. Corey P

    Corey P Well-Known Member

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    It's basically like any hotel that you can charge back to your room which I have done for years. The scope of WDW does make me a little nervous though.
     
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  12. WillCAD

    WillCAD Member

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    A trick that a lot of people use is to pay the balance off before it gets charged to their credit card, using Disney Gift Cards.

    Lots of people save for their trips by buying Disney Gift Cards. There are various reward programs and a few ways to get discounted DGCs, so some people will go to WDW with a stack of them and use them to pay off outstanding package balances, or for daily expenses.

    But DGCs can't be linked to your room charging account any more (they used to, and it was great). So instead, the Guest will go to the front desk periodically and pay off any outstanding balance with the DGCs. This can be done because when you charge things using your MagicBand, your credit card is not charged until you reach a certain threshold, which varies depending on your resort level. At Value resorts the threshold is $500, at Moderates it's $1000, and at Deluxes it's $1500. If you pay off your charges before they hit the threshold, it resets, and your credit card is not charged.

    You can go to the front desk of your resort and get a detailed printout of all of your charges any time you want.
     
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  13. britdaw

    britdaw Well-Known Member

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    This is something I'm wrestling with, too. I keep going back and forth about whether or not I think it's a good idea or not. I could easily see how spending could get out of control.

    Oooh, I love the idea of being able to put a spending limit on it!! My oldest will love being able to have a little bit of freedom in being able to purchase stuff on her own if we decide to go for it.
     
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  14. MickeyMomV

    MickeyMomV Well-Known Member

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    This nothing new and is the same way every hotel in the world operates. All your doing is leaving your credit card on file with the hotel (which you have to do at every hotel, Disney or not). When you check in the cast member will verify your card on file and ask if you want to use that one or a different one for room charges. While at the parks you are using your magic band, and pin number, to bill to your room. When your stay is done all of your room charges are billed to the card you left on file. The CC is not directly linked to the Magic Band. This operates the same way the Key To The World Card did except that was less secure as it had your name, length of stay and I believe your room # on it and the card was in your pocket and the MB is on your wrist. If at the end of your stay you review the charges and find something you did not authorize then let Disney know. There are enough cameras around property they can verify if you made the charge or if it was done fraudulently.
     
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  15. Coaster Lover

    Coaster Lover Well-Known Member

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    We used it all the time while we were at the park. As has been mentioned before, it's secured by your four digit PIN (so in essence, it's no different than using a debit card around the park, except it's probably a lot more obvious when you've lost your Magic Band compared to loosing your debit card). Since they accept it essentially everywhere on Disney property, we were able to leave our wallets in the hotel safe and just bring ID while we were at the park. So, in that regards, it was even more safe because we didn't have to worry about losing our wallets or having our wallets pick-pocketed.
     
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  16. Minnie1986

    Minnie1986 Well-Known Member Original Poster

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    I get the basic concept behind it, however, having dealt with fraudulent charges done with my debit card earlier this year, I am hesitant to do this while in Disney and simply wanted other people's opinions.
     
  17. Minnie1986

    Minnie1986 Well-Known Member Original Poster

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    If you're making a purchase somewhere in the park, say, in a gift shop, do they ask you for, or ask you to put in the four digit PIN?
     
    Last edited: Sep 23, 2015
  18. Weather_Lady

    Weather_Lady Well-Known Member

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    They did when I was there last year.
     
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  19. Minnie1986

    Minnie1986 Well-Known Member Original Poster

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    Great. Thanks.
     
  20. Coaster Lover

    Coaster Lover Well-Known Member

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    If you are at a kiosk or in a store, there will be a credit card reader at the checkout that will have the MagicBand touch point. You simply tell the cashier that you want to pay with your MagicBand, touch your band to the touch point, and the display on the credit card reader will prompt you exactly like if you were using a debit card (i.e. it will ask you to validate the amount, then it will ask you to manually enter your PIN on the credit card reader. If you are in a resturant and want to pay your tip on your card, they have a hand held smartphone/tablet that they will hand to you and you will enter your own PIN that way. In all cases, your PIN stays exclusive between you and the device where you are entering it (it's not like you have to say your PIN out-loud to the cashier/waiter).
     
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