I got this info. per Deb's WDW info website:
HOW DO I KNOW WHO MADE MY RESERVATION SINCE I DIDN'T ASK WHEN I CALLED?
Look at your confirmation sheet. If you got a large yellow sheet that carries a 12 digit confirmation number, you have a CRO reservation. If you got a legal size white envelope with a white sheet of paper that carries an 8 digit number, you have a WDTC reservation.
(Although I think the paper colors have changed)
WHAT'S THE DIFFERENCE IN WHO MAKES YOUR RESERVATION?
CRO CMs take Disney room only reservations and some code offerings and enter them into the CRS reservation system. WDTC CMs are trained using software that allows them to book your air, airport transfers or rental cars as well as your Disney resort just like travel agents can. CRO books room only and discounted room only reservations (i.e.,
AAA, FL Res, Passholder, Cast Member, etc.) using three letter codes. CRO no longer books any packages. Think of it like this -- CRO books on-site, Disney-supplied components ONLY (hotel, admissions, dining, recreation, etc.). WDTC's claim to fame is "all-inclusive" vacations, i.e.,
trip insurance, air, transfers or rental cars (yes, WDTC DOES BOOK RENTAL CARS!), hotel, admissions, and any other components a guest may want (meals, recreation, etc.).
WHAT ARE THE DIFFERENCES IN TERMS BETWEEN A WDTC RESERVATION AND A CRO RESERVATION?
There are several differences in terms between CRO and WDTC:
A CRO room only reservation requires a one night's deposit within 14 days. If arrival is less than 30 days out, deposit is required at booking. The balance is due at resort check in. MasterCard, Visa, American Express, and Discover are accepted. You may also mail a check or money order. Cancellations up to the 6 day mark will have your deposit refunded in full. Cancellations after the 6 day mark will be charged the one night's deposit as a penalty. Any additional amounts that may have been paid on the reservation will be refunded in full. There is no time limit on when you can make modifications to an existing CRO reservation with no additional charge. This can be done right up to arrival.
A WDTC package (including the "room only" Basic Package) requires a $200.00 deposit within 14 days of booking. The balance will be due 45 days prior to check in. Checks, money orders, MasterCard, Visa, American Express, and Discover are accepted. Cancellation between 6 and 45 days prior to arrival will result in a $100.00 fee. Cancellation 5 days or less will incur a $200.00 fee. Any change or modification of the reservation inside the 45 day mark will incur a $50.00 fee.
So, check your confirmation # and call if you're still not sure. If CUF was the three letter discount code you used, and all that's listed is a room-only ressie, you should still be with CRO. The same thing happened to us and we were fine, our balance was still due on check-in. I think with the new computer systems, a lot of mistakes are being made.