California Grill, Akershus, Fantasmic Packages, CP Packages, V&A, and some other specialty packages will have a
credit card hold associated with the reservation (Dining Plan usage does not matter for this). If you don't show up or cancel within a certain timeframe, then a nominal charge will be placed on the card.
CRT, HDDR, SoA, and Mickey's Backyard BBQ are
pre-paid experiences. This means that the full value of the meals/tickets will be charged at booking. If you have an appropriate dining plan attached to an on-site reservation, then these prepayments are merely holds. If you don't cancel or show up, then the
full value of the meal/tickets will be charged.
If reserving online, you can tell the difference by the amount it quotes you as having to "pay today". If that value is $0 and it asks for your credit card, that means it's a hold. If the value is not $0, then it's a prepay. Also to note, oftentimes the Dinner Shows and CRT are not picking up associated dining plans while booking online, and as such are requiring pre-payment. There's no way around this other than to call. Alternatively, you can get refunded at the restaurant when they charge your dining plan.
I've never had my CC changed. they do charge $1.00 on it when they take it though. I thought that was strange but it falls off
It depends on the issuing bank to display that charge or not. It's a common practice to make sure that the card is active and valid. Have to be careful with debit cards though, as (again depending on your bank) you can be hit with overdraft fees if applicable.