So i did everything like I was suposed to I made ADR in my 90 day window on May third but while i had just made them the lady tolled me that the computers had just went down and that all my reservations were gone so we had to start over(keep in mind this is after i had given my debit card number for Cindys) well what ended up happening was that I gave her all my other ADR's but then she said that since I was not the main name that the pakege was under I had to use her credit card, so we used hers and got the reservation yay!! but this is when the trouble started I went online to check my account and to my surprise it had WDW DINING TICKETS on the purchase description which was apparently $84.00 any ways I did not have that much money in my account so it drafted money from my savings. SO now it shows that I tried to purchase something that I celarly did not have enough money for because I was on the dining plan and they only needed it in case I did not show up for my reservation. Anyways the money a few days ago magicaly appeared back but now I have a minus charge on my checking account help!!!!! Will this effect my credit history tHEY WERE NOt supposed to charge it what should I do???? help please thank u for your time.