You can use Disney dollars, but if you have a credit card # on file for charges make sure you go down to guest services a couple days before the end of the cruise if you want to have them credited to your account. Everytime you incur $450 in charges on your kTTW card, it is run through and processed on your credit card. My daughter's had Disney dollars that they were going to use to pay for things they purchased, arcade, etc. I waited to the night before to go to guest services and most of our charges were already processed through on our credit card. I'm sure they may have been able to do an adjustment, but I didn't want to make a hassle and we were going to Disney afterwards, so they used them there. Next time I will make sure I credit them to my account early on.