You will need to leave a credit card with them at check in or I suppose you can leave cash(never heard of it) but I don't see why not. If you do not do either you will not be able to charge anything, there is no such thing as having a bill that you can pay later, everything is done here and now. What happens when you give them your credit card they will charge(put a hold) on your card for $1500 making sure you have the credit, when you use that much up, they will put another 1500 hold on your account, etc, etc, There is no real account with WDW or DVC like your question infers, I think that is what you are asking.