I got the same email this morning as well.
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Im almost 100% sure. But you can actually (If you bought from the se store) have them charge you right away. I know i did this so i didnt forget about it. x.x
Mine is already paid for thanks to PSN. So it's literally a waiting game before it downloads T.T Good thing I have 1gig of download speeds so it'll be downloaded in seconds.
I just wish they'd made it more obvious. That's some nice fine print when they decide to wait to charge you later. I'd be willing to bet 99% of players expected the charge to be completed at the time they purchased it, like every other business model. I love the game and the devs and almost everything about the game except this. People are going to be up in arms when they miss the email and start seeing charges pop up on their accounts for something they assume already paid for and some, like me, are likely to get overdraft fees due to this.
Except, with 99% of pre-orders, you don't get charged until later. This is pretty common knowledge.
Also, don't people have credit cards for online use? Much safer than debit cards since it doesn't pull the money directly from your bank account. And before you say "but that leads to debt" just don't spend more than you have. Use it like cash and know your limits.
Its literally in the confirmation email you get.
Dear Player:
Thank you for your pre-order from the SQUARE ENIX STORE!.
Please find your pre-order details below.
Please also note that we have not charged you yet. You will be notified by email before we debit your account, which will occur a few days before the delivery of your pre-order.