There's a little more to the story. It's not entirely Disney's fault, though this is just a theory:
Natalie (who deserves a big fat raise) said the likely culprit was a spending limit or some other safeguard imposed by my bank (I was using debit). BUT after linking the first reservation to "My Disney Experience" the remaining balance did indicate $0.00. The reservation #, the balance shown, the AKL concierge email, all of this gave me the peace of mind to proceed with booking a non-refundable flight (with the same card, online, 1-2-3 no problem). It didn't occur to me that Disney never took any money, or that my card was denied, leading to cancellation of reservation after 24hrs because of non-payment. I mean, how often do you purchase something, get a receipt, then check your account for the transaction? Isn't that what the receipt is for?
So in order to secure the second reservation, Natalie Who Deserves A Big Fat Raise took a substantial deposit (over 50% of the balance) from the same debit card and suggested I wait 24hrs until the bank resets the spending limit. BUT now under My Remaining Balance it says, "We're sorry. Detail payment information is not available at this time. Please try again later."
I don't think I'm completely out of the woods yet. All this is contrary to their 45-day policy. Believe me, I was throwing every possible scenario that could lead to another cancellation and Natalie gave me plenty of reassurance. The concierge did send me an itinerary. And they did withdraw the deposit from my account (you better believe I'm keeping an eye on it now). I really believe Natalie went above and beyond to get this done for me. The other operator, while polite, didn't really seem to put any effort.
I'm not upset. It just seems like without my persistence and Natalie's knowledge, I'd be SOOL.