This is what we do except we go to the front desk at least 24 hours in advance if check out to make sure they don't charge the credit card on file. It has happened before that they charged the credit card when I intended to pay with gift cards.Just a note on gift cards, if you choose to consolidate on DisneyGiftCard.com, we do, appears many others do as well, you can charge everything to your "magic band" (Account) and go to Guest Services the morning of check out and pay the balance with the gift card or put the gift card toward your balance.
I like to buy one here or there when they're doing 4x fuel points at KR and then consolidate to one before we leave.