Just a note: We did the land/sea last June with the land portion first. Because we knew we would not be charging anything during this time on the card, we opted at the hotel to have charging taken off the card. We already had travelers checks for all of our spending money. Also, we were worried that if they got lost in the parks, that someone might try to use them before we noticed. Well, when we got to the ship and realized that the card is used for all on board purchases we knew we had made a mistake. However, it was no big deal. They reissued us cards (the old ones said-no charging). It only took a few minutes at guest services right when we boarded. the cast member at POR did not mention this to us. I just thought that it would apply to the hotel.
just to let you know