Hello Yvonne and thank you for bringing such a great question to the Disney Parks Moms Panel.
I believe that securing an Advanced Dining Reservation with your credit card and then not being able to make the date is a concern to most everyone.
You'll be happy to know that if at least just one of your party makes your table reservation then your credit card won't be charged a no-show fee.
Should you need to cancel your reservation then you must do so at least 24 hours in advance to avoid the penalty of a no-show fee.
If I can be of any further help to you in planning your upcoming Walt Disney World Resort holiday, please don't hesitate to come back and ask me another question.