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If the project you’re backing is successfully funded, your card will be charged when the project reaches its funding deadline. If the project does not reach its funding goal, your card is never charged. That's why we call them pledges.
A lot of people still seem to not understand this. Knowing this, why not pay $25 to receive the game, a free month, and access to the beta (if the kickstarter funds) if you are even somewhat interested in seeing the game?