I am reading conflicting information about the dining plan and the bands. Will I or will I not need a PIN number for my band. Right now I do not have it set up to use a credit card for charging and I want to keep it that way because we pay cash for everything. I have read that I need a pin number to use for the dining plan but I don't see how to set it up without using a credit card as a backup. Can someone here help me with this?