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We found that Disney Dollars can only be used on board to apply towards your account. I do not think you can use them on CC - someone pls correct me if I'm wrong.
On our first cruise we used Disney Dollars to tip room service. We later found out that this is a very awkward thing to give as a tip, and they are not appreciated as well as money. This is very understandable, as it is extra work for those who send money back to their families.
We have $350 Disney dollars from a referral(DVC) that we are using for our Feb cruise. I checked with DVC and they said you can use Disney $$ towards your account on DCL.
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