The way I understand it is like this. If you're staying for 5 nights and you have 4 adults in your party, then you get a total of 20 table services, 20 quick services and 20 snack credits for the entire stay. You can use all 20 of each in one day or in 5 days or in 2 days, etc. Not one cashier or server EVER questioned us on the # of credits we were using. If you're paying for, say, 20 table services then who cares how many days it takes you to use them? There is no implication anywhere that says you must use 1 table service + 1 quick service + 1 snack for each day of your stay. That is exactly why Disney allows you to use 2 table services for some character meals. IT DOES NOT MATTER HOW MANY CREDITS OF ANY KIND YOU USE IN ONE DAY!
Your post is correct...as far as it goes.
Unfortunately, if a person is trying to figure out what they
can get away with (as opposed to what the plan documents say), they may interpret your post to mean they can do whatever they want with their credits (which is simply not true). Other folks will tell them, "Oh yeah, you can do that because I did it back in 1846 and nobody questioned me!"
Effective January 1, 2007, however, Disney made several fundamental changes in the way they
administer the DDP. Their view is they
changed nothing, but the truth is the plan works differently today than it did on December 31.
The most obvious change they made was to segregate child and adult TS credits, so people can no longer use kids credits for adult meals.
Other changes are less obvious to the casual guest, but abundantly clear to the restaurant CMs. Yes, you can use as many credits as you like in one
day, but only what's shown on your card for any one
meal. So if you have 2A/2C on your card and you show with your family plus Aunt Nellie and Uncle Clyde who are tent camping in a Wal-Mart parking lot offsite, you're only going to be able to purchase 2 adult meals with DDP. This change was made specifically to stop DDP guests from "treating" guests who are not on the plan.
CMs were also told that another change was going to be a limitation to the number of
meals you could purchase in the same "
meal period." That change was supposedly to prevent exactly what OP is wanting to do -- purchase 13 meals in different restaurants with 11 credits. AFIK, that change has not yet been implemented. If and when it is, however, the computer would automatically catch the over-purchases and decline them.
I hope Disney doesn't feel it necessary to implement that change, but we'll see. I'm sure they'll do it if they feel this aspect of the plan is being abused...just like they did with other aspects.
In implementing those changes, Disney was quite direct with their CMs. Several CMs have reported here that they were bluntly told they would be severely disciplined if they did not enforce the new rules -- up to and including termination. So you can expect compliance with the new policies to be pretty consistent...for Disney. No CM is going to give up their job for a guest.
The best advice on these issues has not changed. If you have a question about specifics of DDP operations, address those to Disney Dining.