I just did my ADR’s, and was booking CRT and Spirit of Aloha. When I booked CRT, it asked for the credit card, which they have done before, and it holds the reservation. Well, it did charge my card. So, I decided to call Disney itself for these 2 reservations. She had to cancel that reservation, she says I will get a credit on my card in 5 - 7 days, and then rebook it over the phone with my dining plan, so that the credit card holds the spot, but does not get charged.