I really do find this " Whole" Situation very disturbing. If a" room only "reservation is booked from Disney, a deposit is made, the balance is paid at check in, then a $1500.00 limit is placed on the CC. Just had this happen to a family member. If the CC should have had a problem, What would Disney have done? There was a potential for at least $1500.00 loss plus balance of room, which could be in the thousands. How do they collect? I just can't believe they wait 6 months, then contact the customer. The only time you pay 45 days in advance is for a package.
FYI: When they checked in, the CC was already on file. I didn't think Disney kept this information on file. They went back down the night before and used their rewards card and let the balance go on the CC on file, they weren't even sure which card was on file. LOL.