OK this will be my second cruise. First on Disney. Upon checkin, do you have to go to Desk and apply money to your room key? Do they tell you how much cash you have to put on or can you put as much as you want? If you use a credit card, do they just apply charges as you use your room key or do they tally at the end and then apply to credit card? I went on carnival (hated it) and they wanted approximately $250 prior to departure and then charged the rest at the end.