Magic Bands are so easy yet so scary for some. There truly is no need to worry about a linked credit card.
1.Your room reservation is charged to your credit card not your MB.
2. The MB gives you easy access to your room.
3. If you link your credit card, or another one, to your MB NOTHING
gets charged with it unless you SWIPE your band and ENTER YOUR PIN.
4. MB use in the parks is actually SAFER than using a credit card because of the pin number. Lost credit cards are a simple swipe and fake signature. Credit card loss can make a mess of your vacation.
5. MB swipe/pin screens are TOTALLY BLOCKED from view unlike grocery, gas stations or ATM's.
6. If you lose your MB no worries unless you gave a stranger your pin number-hopefully not. Just go to Guest Services, they disable the MB, and give you a new one. Much easier than a lost credit card.
7. In the end the best thing is the total accounting on your hotel bill of everything you spent money on, or perhaps the scariest! Great for future planning.
I understand your concerns and peace of mind but for me the MB's give me just that-simple, easy, no worries. No need to remove the link.