The only restaurants requiring a credit card hold and no-show fee are Akershus, California Grill, Victoria & Albert's, and special packages like Fantasmic or Candlelight Processional.
CRT and dinner shows are either paid in full at booking or have a credit card hold and no-show fee (if you book as a guest on the dining plan)
If you choose any of these, pay attention to the cancellation policies (they have different ones)