If you're staying on Disney property, did you retrieve your resort reservation first? I made this mistake last year when I booked CRT online. I forgot to retrieve my resort reservation first and then book it. When you do it that way (retrieving resort reservation) it doesn't charge your cc. It will only ask you to enter it but there isn't a balance to pay with it. When I called to try and re-book it the right way, it was already full and so I kept the one I had. It was a hassle but I ended up paying with my dining credits anyway at the restaurant and a month later getting my cc refunded. Good luck, it was confusing as heck!