Hi, Van!
You will absolutely love the Disney Deluxe Dining Plan!
I'm guessing that there are five people in your traveling party because you mention "five credits per day." Each member of your party gets three Table-Service Meals per night per stay. ALL of those meals expire at midnight on the night of your
checkout, so can use them even after you've checked out of your resort (up until midnight.) We sometimes use only one dining entitlement on our first day, due to a late check-in, which leaves us with the remaining entitlements for our final day, after we check-out.
Check out this link to
the 2012 Disney Deluxe Dining Plan, should you want more information, such as a list of all of the fantastic restaurants available to you.
Please send the Panel any additional questions you may have about your upcoming trip! I'm sure that you'll enjoy eating your way around the World!