You do have to put in your credit card information each time for a reservation that requires it. Not all reservations require it. I think it did slow down the process a little because you have to put in your credit card information, name, address, etc. Just be sure to have your credit card handy before you start. I was worried that the whole process would possibly cause me to not get a reservation/time I really wanted. Yes, it slowed it down, but not substantially.Nothing that would make a difference. Plus, you have to remember that everyone's having to enter their credit card info so the process has been slowed for everyone. It really wasn't a big deal at all.