Yes, you do have to pay for CRT upfront in full. It's been the policy for almost 2 years now I think. If you are on the dining plan, then they would just take your CC as a hold for a no show.
Here's the list:
Restaurants Requiring Credit Card Guarantee
Victoria & Albert's Cancel 24 hours in advance
$25 per person penalty for same day cancels and no-shows
Chef's Table at Victoria & Albert's Cancel 48 hours in advance
$25 per person penalty for cancels within 48 hours and no-shows
California Grill Cancel 24 hours in advance
$20 per person penalty for cancels within 24 hours and no shows
Citrico's Chef's Domain Cancel 48 hours in advance
$100 penalty for cancels inside 48 hours and no-shows
Fantasmic! Dinner Package Cancel 48 hours in advance
$10 per person charge for cancels within 48 hours and no-shows
Grand Floridian's Grand Adventures in Cooking Cancel 48 hours in advance
$10 per person charge for cancels within 48 hours and no-shows
Grand Floridian's Pirate Cruise Cancel 48 hours in advance
$10 per person charge for cancels within 48 hours and no-shows
Grand Floridian's Wonderland Tea Party Cancel 48 hours in advance
$10 per person charge for cancels within 48 hours and no-shows
Princess Storybook Breakfast Cancel 48 hours in advance
$10 per person charge for cancels within 48 hours and no-shows
Restaurants Requiring Pre-Payment
Cinderella's Royal Table Breakfast Full payment due at time of booking with credit card. A full refund if cancelled up to 48 hours before scheduled seating time.
Hoop-Dee-Doo Musical Revue Dinner Show Full payment due at time of booking with credit card. A full refund if cancelled up to 48 hours before scheduled seating time.
Mickey's Backyard BBQ Character Meal Full payment due at time of booking with credit card. A full refund if cancelled up to 48 hours before scheduled seating time.
Polynesian Spirit of Aloha Dinner Show Full payment due at time of booking with credit card. A full refund if cancelled up to 48 hours before scheduled seating time.