What am I supposed to do if I am currently waiting on a new card, just sit here and not actually get to play something I pre ordered so I wouldn't have to deal with it later?
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Bungie has no control over your financial institution's ability to send you a new card. If your previous card is no longer valid when the platform charged your account and your order was canceled, then, yes, it seems you'll have to wait for your new card, if that's your only option for paying.