I used a card to book all my ADR's at 180 days that ended up getting stolen a month later. Disney, apparently, doesn't do anything with the cards entered unless you actually don't show up for your ADR. The same thing applies if you used a virtual number with a low authorized credit limit (like $10), or used a gift card and then used that card up before arriving at the World. They would not be able to charge the card for a no-show. Would they have sought out other options, like charging it against your room?