I'm planning on ordering as soon as possible, and I don't mind paying the full price. (as others have stated, the using a CC is essentially an interest-free loan for a month or two)
I have placed something called a "P-500" preorder. These are for board games that are being considered for print, but won't be printed unless they receive commitment from at least 500 people (hence the name). Customers give their payment information, but are only charged when the game goes to the printer- months or even years after the game first appears on the list. (there's a few dozen games on the P-500 at any time) As long as a game continues to accrue orders at a decent rate, it'll remain on the list- otherwise it'll get pulled after some months of stagnation.