So, on PSN you have two ways of purchasing digital content: 1. You can "add funds to your wallet" to then purchase content within the store. It's a digital wallet, this option is used if you have a prepay card or don't want to store your credit card information directly on your profile. 2. Attach a card directly to your PSN account. This bypasses the "add funds to my wallet" option and it's a quicker way of getting content. Either option will charge your card/funds now so you can preload. For more clarification, you should seek [url=http://us.support.sonyentertainmentnetwork.com/]Sony Support.[/url]