I've had an email saying I've been charged but it's not appeared yet on my card, not sure how quickly it updates though.
The bank seems to be processing mine but hasn't take it out yet for some reason.
Gonna try my hand at X3 just to get in the space and trading mood (if I can understand it!)
The guys at the official forums are very friendly and open to helping newbies. Just don't expect to own your own capital ship or station for a while!