So for Christmas I ended up with $200 worth of Visa gift cards and I was intending on using these for our vacation in May. I was reading the terms and noticed that restaurants authorize your card for 20% more your bill total, then 3-7 days later the actual balance is adjusted. Kind of a pain, but I see why they do this. My question is in order to avoid this, should I just use the Visa gift cards to purchase Universal gift cards and then use those at restaurants? I see on the gift card FAQs that they are accepted at most locations, but I just wanted to see if anyone has actual experience. I'd like to be able to use them at Mythos, The Kitchen, CityWalk, and counter service restaurants throughout both parks. Thanks!