How it is setup is that when you order the item BBY will immediately send a message to the card issuing bank verifying you have the money. If there is enough money then the bank will put a hold on the money until BBY either asks for payment (this happens when the order is shipped) or declines the hold (in case of cancellations, backordered etc).
In this case BBY declines the hold, meaning that the bank hasn't released the funds yet. This usually takes 24-48 hours but can take longer depending on the bank.