Some explanation about WDW, and Gift Cards, is in order.... Going to relate our experiences with the GIFT CARD that one gets from Chase/Disney VISA

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1) Up until about 3 years ago? One COULD "drain" that Gift Card on check in, as a CREDIT to room charges.
2) ...then everything changed. Basic WDW policy is now that one may PAY an outstanding Room Balance with a Gift card.... even a Chase/Disney VISA Rewards card.
3) WHY DID THIS HAPPEN? Well, We asked, and got a perfectly reasonable answer

. In several cases, WDW "pre-drained" a gift card. End balance was LESS than gift card value. And they had NO MECHANISM for RETURNING that excess payment. Not even for a Chase/Disney VISA Rewards card.
So - WDW is not being "that way".... it's far more that they want to be FAIR, and not "pre-steal" your gift card money

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What is INTERESTING (and why we cancelled our Chase/Disney VISA) - WDW can not do this with their own BRANDED "Rewards" Card. Turns out the Chase/Disney VISA card is just a "hoops" card. We ditched it & went with a better Chase Freedom Unlimited. No hoops, better return.