Not true. If you attach your confirmation # for your resort stay and have a dining plan with your pkg. then it will just hold your Credit Card in case you don't show up.
I love the online system. It opens at 6am EST and the phones open at 7am EST. You can see what other times are available close to the time you entered. You can also see what other restaurants are available. So fast and easy to use. You can even book special dining events like Fantasmic DP, Wishes Dessert Party, etc.