I don't understand why they can't let you put a credit card on your magicband account, and then the credit card be charged directly for each purchase at the time you touch the magicband. That would make it the same as presenting a credit card, just touching something else to the reader instead of the card. For offsite guests I don't see the need to create an account, like having Disney accept the charges and try to put them through later, which would cause problems.