Call Disney Dining and talk to them. I booked HDDR for next Oct back in Nov'04. I got the DDE card last spring and when I called them to find out if I could apply it to our HDDR reservation, they told me no, not at that time since they didn't know, for sure, what the discounts would be for '06 yet. But, I should call back in early '06,which I did. They applied my 20% discount to my reservation and my credit card showed the credit that month.