In a nutshell:
A CRO room only reservation requires a one night's deposit within 14 days. If arrival is less than 30 days out, deposit is required at booking. The balance is due at resort check in. Cancellations up to the 5 day mark will have your deposit refunded in full. Cancellations after the 5 day mark will be charged the one night's deposit as a penalty.
A WDTC package (including the "room only" Basic Package) requires a $200.00 deposit within 10 days of booking. The balance will be due 45 days prior to check in. Cancellation between 6 and 45 days prior to arrival will result in a $100.00 fee. Cancellation 5 days or less will incur a $200.00 fee.
A WDTC Disney Club Package - If you are a Disney Club member, you are required to book through WDTC but DC members are given different terms than the general public. A deposit of $100.00 is required within 10 days of booking. The balance is due 21 days prior to check in. Cancellations made 5 days or less prior to arrival will incur a $100.00 fee.
If you have already made a reservation and don't know who it is with, renessa is correct. CRO reservations will be the large yellow confirmation with a 12 digit reservation number. WDTC reservations will be a small white piece of paper with an 8 digit confirmation number.
Sorry Sandy, but there's no way to apply a DC discount to a reservation (new or existing) without going through WDTC and the $100 deposit scenario.
AP discounts are just the opposite of DC reservations. Only CRO can book the AP rates.
HTH