Long story short:
On 3/11, I purchased Final Fantasy Tactics: War of the Lions for $9.99. My bank account was charged (as a pending amount) twice. Concerned, I called Sony support. According to them, I was ony charged once. Since it was a pending charge only, I let it go and figured I would check back later to see if one of the charges dropped off.
On 3/14, I purchased the two-year Vita accidental damage protection plan for $69.99. This was entered as a pending charge.
On 3/15 or 3/16, both $9.99 pending charges dropped off my bank statement. No charge was finalized.
On 3/20 (this morning), $69.99 came back in my account and the pending Vita protection plan charge vanished with no final charge.
I guess I'm more venting than asking for advice. I find Sony support to be kind of annoying to deal with and I feel like it's not my responsibility to make sure they properly take my money - but I'd like to balance my account properly. Should I wait a few more days, or just call now? I find it weird that the charge from 3/11 hasn't been fully charged yet.
edit: I forgot to mention: Another concern of mine is that they will turn around and say my protection plan is invalid because I was never properly charged. You only have 30 days from date of purchase of the Vita and I am already past that.
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Didn't mean to hijack the thread with my own issue, but PSN is being a total pain right now. If you do get results, I'd be happy to know.
Edited to add something useful: I did end up being able to purchase things on the store, but only after I actually bought a PSN card at Wal-Mart. I had to purchase Monster Hunter Freedom Unite since the Vita refuses to take the UMD that I purchased a year or so ago for my PSP. As for the $69.99 damage protection plan...I have absolutely no clue. But if you want to purchase games, get a card. They can't deny that, as the card is activated upon purchase. And if they do deny it, then Sony will refund the money to you with a scanned image of the front/back of the card and a receipt of the purchase.