My stay at the cabins is 1/10-16. I would not need to pay in full until Dec. However, we have the Disney gift card amount ready to go. Any reason that I should wait? If I needed to cancel before 30 days, I still get a refund, right? I don’t want to jump the gun. However, I wouldn’t mind just paying it off with the credit and being done.

Since we always do RO reservations, I normally wait and pay it off a week before I go. Just remember to keep the GC just in case you have to get a refund.