We are planning on going to WDW in the middle of Oct. 2007. I have not made reservations as of yet. We plan to stay at CBR. Is is too late to make reservations? Should I make them directly with Disney or should I use Dreams Unlimited? Also, I do have a Disney Visa. Is there any advantage to using that when booking? Are there any discounts for Disney Visa holders? Last time we went to WDW I was a Disney Club member and got a discounted room. It would be great to get a discounted room again!!