Guys there seems to be some confusion over instore pickup and charging of your card.
If you put the phone in your basket and did check out and choose a store for pickup then you will be charged in full before Friday.
If you did instore pickup through the upgrade program then you are not charged or sent any more emails and you physically go into the store on Friday and then either pay in full in cash or do one of the Apple payment plans (either with AppleCare and Upgrade or the plan without).
I paid in full and it is still showing as pending from my bank, so available balance has gone down but it still hasn’t physically come out yet.