The social works like this. Its at the Garden Grill which is a rotating restaurant, which is cool. It overlooks scenes from a ride below. So you sit and enjoy your ice cream sundae, and farmer mickey, Chip, Dale, and Goofy come around and visit. And be prepared for interaction. I had Chip (or Dale, can't tell the difference) wrap paper towels around me. I got Mickey's autograph. They "talk" to you. They pose for pictures. Its a great character experience.
Oh, I always make PS's if I can. You can always cancel them if you can't make it. I can't remember right now about the credit card. I don't think so, but I don't know for sure.