Last year, during our WDW vacation, our nephew came to spend one day with us. We were on the DP and had booked a buffet.
I thought he might feel uncomfortable if he heard me explain, one meal was being paid in cash and to "swipe" the other meals off the card.
I called ahead to ask if we could swipe off an extra adult meal, and just pay out-of-pocket for an adult meal at a time he wasn't with us.
One CM's said, "Absolutely, the credits are yours to use any way use wish."
A different CM said, "NO, you will not be allowed to swipe off more meals, in any one (1) transaction, than the number listed on the card."
We just paid cash when he wasn't paying attention.