My experience was slightly different. I preordered on the 14th. Apple immediately submitted notice (I forget the term for this, but it's not an actual debit from your account, but the amount is held back from your total balance) for my purchase of Applecare+. $99 temporarily on hold. But no iPhone. Later Friday morning I got another notice to my account but in the amount of the TOTAL charge of the iPhone AND Applecare+. So, about $400 additionally on hold, not including the $99 they were already holding. Just glad I had put extra money in our account or we would have been overdrawn.
Apple held both charges until the morning of the 20th (when it actually sent my shipping email). Then nothing. Not until the morning of the 21st did a complete charge of just the two items themselves come through and then it was an instant deduction from my account, no holds whatsoever.
They'll get their money and when they do it will be an instant charge.