Jeffrey Hawkins, 49, was arrested for trespassing at the Coronado Springs Resort in Lake Buena Vista when the whole story came out.
Rather than discussing the trespassing charges, he waived his right to remain silence and admitted to his credit card fraud, telling police he was "sick of running".
Hawkins told police that he had been homeless and jobless since the 1990s when he first began committing credit card fraud.
He began writing down credit card numbers he overheard or saw, according to a police report.
A search of his current hotel room turned up more than 100 credit card numbers.
"I found numerous cards, receipts and other items indicating that Hawkins has been up and down the East Coast doing the same thing," officer Frank DelGuercio wrote in the report.
Orlando resident Michael Lampert said: "Obviously, he's a pretty smart guy.
"He should have found something legal to do."
Hawkins also claimed he has committed fraud at Disney many times. He was carrying 26 room keys for various different Disney resorts when he was arrested.
He added: "It's easy to commit fraud at Disney, and I have been here a lot."
Disney claims his alleged fraudulent activity has cost the resort $18,000 (£11,200).
Hawkins has now been charged with trafficking in stolen credit cards, false statements, fraudulent use of credit cards and defrauding an innkeeper.
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