You can do the reservations online at the same time as always (6:00 EST; remember to adjust accordingly to your time zone if you live outside the EST time zone). It's very easy to figure out. A screen will pop up requesting your credit card information only for the restaurants that require it. Just be sure to have your credit card out and ready so you don't lose time having to get it. Yes, putting in the credit card information slows the process a bit because you have to enter the credit card information (type, date of expiration, number) and your address. I was afraid it would slow me down and I might not get all my reservations at the times I wanted but it didn't affect anything--got all my reservations and the times I wanted. Just remember, everyone else is having to put in his/her credit card information too so we're all slowed down and the playing field is leveled. No worries, it will be easy and not a problem at all.