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You will be good if you have completed the purchase and selected "Check" as your payment option your pistol will be pulled.
I would use credit if they are that limited. Items are not secured until your payment is received. And with the credit option, you will receive your item at least a week sooner then using a cash option. I understand cash is the best option to save $$, but most who use it once, rarely use it again. Its just a preference I guess.
They won't start processing your order until your payment has been received. You can do an eCheck to get the cash price and have your order start processing immediately.