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Re: credit card at check-in
It's only necessaryif you want charging to your room. I don't believe that it has your actual cc info, just the WDW info. You can also have then not put charging on the kids cards.
You are probably at less risk than using your credit card at different locations, I got ripped at the car rental check out booth at MCO.
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Richard Carmichael, Chesapeake VA
DVC Member BLT, VGC & SSR
2009 SSR(x2), AKV, BWV, BLT(x2), VB, DCL Magic; 2008-SSR, WLV, OKW YC; 2007-YC, GF: DCL Wonder; 2006-SSR, SoG, Poly; 2005- Poly (x2), Orange Lake; 1999-Courtyard LB; Disney Inn (RIP - now SoG) '90, '88, '86
Make-A-Wish Volunteer www.wish.org My Wish - no Wish Kids to send to see THE Mouse. 
2nd Fav Org - Give Kids The World Village www.gktw.org
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