There should be an immediate charge even if this is a pre-order and as previously mentioned you may also check and confirm this with the bank or the payment channel and also with Microsoft to be sure that there is no backend issue that happened for this.
You can reach out to the support team at https://support.microsoft.com/en-us/contactus/ and then click on Windows and then click Get Home Support and then type in Billing question and click the blue button that says Sign in to contact Support and login and proceed from there.