If you are signed into MDE, your resort reservation should recognize your dining plan and just use your CC for guarantee instead of the full charge. Do pay attention to the screen though to be sure it doesn't charge you by mistake.
You don't "pay" with the dining plan when you make the reservation. They simply forgo the pre-paid requirement on the basis that you've already paid for the plan and will likely use credits. However, you could very well use all of your dining credits before you arrive at CRT. The system does not in any way encumber your credits when you make the reservation.
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