As of March, this is different. You have to have a balance due of at least what your disney reward dollars OR gift card is(we use both). They will use up OBC first, then you can put the gift cards down-only after you have charged at least the amount on the card. Don't know why they changed it, the people working the desk thought it was kind of a pain too. Buying a shutters package right at the beginning helped a bit (we had an OBC as well) but we did have to make a few trips to use up the gift cards. Hopefully they go back to the old practice of just letting you put them all down at the beginning as money on the account. I just went to the desk after dinner every night and applied a card or two (most of ours were in $25 amounts since we got them as gifts from people)