I don't want all those extra authorizations on my bank account because first, I will end up going over what I have in my bank account because of it, and second, they are likely to freeze me account because of what they deem suspicious activity because of all the extra charges. So, I am not putting a card on file.
I never used to use gift cards but because of Disney changing it's policy on how we charge back to our rooms, I have to. On some days, I might spend $200-300, and because I might do that over several restaurants and stores, essentially I have to be prepared for double that amount to be charged to my bank account and who knows how long that might take to clear. I can't risk it.
Anyway, the gift cards are bought, and as I have never heard of this before, this idea of having to buy something else in order to use the gift cards on the dining plan is probably not accurate, for the most part. I am sure this would have been brought up before on the Dis-board. I mean, I basically got the idea to use gift cards to pay the gratutity from this forum, and I have read lots of posts about it, and no one ever mentioned any restrictions using gift cards while on the dining plan, and since most people probably just order exactly what the dining plan provides and no more, I am pretty sure if this was a major problem, it would have been mentioned before.
Perhaps in some of the Disney Springs restaurants, it could be an issue, as the previous poster mentioned Raglan Road having to charge them a penny, but if that's the case, that's no big deal if it happens once in a blue moon, but I still wouldn't charge back to my room, as then I would be charged $100 just for a single penny charge LOL. For the most part, if this was the rule, I wouldn't have a problem as I usually do order 2 appetizers and/or 2 cocktails for my lunch and dinner, it's only my breakfasts I wouldn't really be doing that but all my breakfasts are in the Disney resorts or theme parks, and I am sure I won't have a problem paying with giftcards the gratuity there.