I always prepay my room before I go. I have gotten a discount added after I prepayed, and they give you the choice of either having the credit left on(that is what I did since I charge most everything to my room), or have a refund mailed if I paid by check or credit my debit account if I paid that way. I give the front desk my debit card at check in, then there are no credit card bills waiting for me when I return home! Then, I can start saving for my next Disney vacation instead of paying off the last one!
Laura