When you check in, you are authorizing them to collect payment (via credit card) for any charges you incur.* Typically this is on the morning you check out, unless your account goes over the credit limit for that resort.* They are NOT going to charge your card $100 at check in and not keep your card # on file, lol!* If there's an error on your bill when you look at it that moning, simply call them from the room so they can take it off and issue a credit.* I honestly don't understand the paranoia here.* The way the credit card is handled is standard practice at every hotel I've visited - not just Disney.