Welcome to the community!
The way it worked for me is I received an email a few days ahead of time saying my order would be shipping soon and would be charged at that time to the payment method I used for the deposit. I’m pretty sure the email said I could use those remaining few days to change my payment method if desired.
So you should get an email heads-up of at least a couple days. Edit: In fact, the pre-order confirmation email even says that you will get an email notification before you are charged the remaining amount. I just checked.