I've already been charged for my iPhone 6 preorder

On a previous post I was told that when you have preordered the iPhone and have chosen store pickup at checkout that you would not be charged until you've gone into the store and picked up the phone. I was charged today. I have the money so it's no biggie but I think that this is unwise.  Can anyone clarify as to why they do this in this way?

iStephen1976 wrote:
I Guess I will start using your response to everyone's posts asking "why does my phone do this", "where are my contacts" etc. Because when it all comes down to it, I guess I didn't read the memo that yes, we are all users here.  I figured that since it was a community post that you were all apple employees. My bad.
Then next time, read the terms and conditions of the forum.  This forum is for TECHNICAL questions.  Your question is a billing question.
Use the right resources, and you'll be amazed at the results you get.
And why does it matter when they charge you?  Whether the charged you in full now, or they only put a hold on your account, does it really matter? 
In the end, you'll have paid for the device, and then have the device.

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