Actually I do not use our magic bands to pay for anything but I was mentioning to the OP that she could do that, then go to the front desk of the hotel to use her gift cards to pay down her balance. I personally just use my gift cards as I make purchases whether it be dining or souvenirs. Also, we usually have resort only reservations so I pay our entire resort balance upon check in. Also, since we don't use our magic bands to charge things, we aren't levied that hold on our credit card. I just don't give them a cc number upon check in. For us personally, it's too easy to be shocked at the end of a trip to see how much we actually spend, lol....and dh prefers not to know, anyway!