Maybe you should have read the sticky on the front page.

You are not being charged. You are simply choosing a subscription plan. You will not pay for another month, you just need a valid form of payment for *after* your 30 days.

Ahh you dont understand! They actually CHARGE my CC! But i have unsufficient funds on it to pay for even a month! So they decline my CC and i cant play because i dont have a selected subscription plan!!! WHY they charge my card for 12.99 EURO if i have already payed for a month that comes with the game? I want explanation from authorized support!

Nope! They actually CHARGED my CC for 12.99 but i have only 5 on it. So transaction was declined and i dont have active sub. and cant play. I even get SMS from bank with info about charging me for 12.99! So where is support?

There are a 100 threads on this...sigh..
They just posted a sticky saying that if you don't have the funds in your account and you weren't able to process the transaction to send them a support ticket and they will work with you so you get your 30 days of game time. I know it is a little to early to be demanding auth checks for subs to play but at least they are acknowledging this now.

Calm down.

Authorization charges look like actual, legitimate charges. Banks can take 1-3 days to refund the charge depending on your bank and your method of payment.

If this is the first time you have ever experienced an authorization charge, I get it, you're freaked out. But you were not charged. Yes, it says you were charged -- You weren't actually billed. Depending on your bank and your method of payment, the charge will disappear.

Most companies charge a dollar or a few cents to authorize charge a card. Zenimax did 15. It will be reversed, just cool your jets.

*** them im leaving this *** game.

@‌OP

Please read the "official" post I am linking here the part that addresses your issue is under update!

http://forums.elderscrollsonline.com/discussion/67461/bank-account-being-charged/p1

[Update]
We want everyone who purchased ESO to have immediate access to the included 30 days of ESO game time. In the event that you enter your payment information for authorization and the transaction cancels due to lack of funds in your account, please contact our Support Team. We’ll work with you to ensure you have access to your included 30 days of game time.

Please ensure that you have attempted to enter payment information and had the transaction fail due to lack of funds before submitting a help request. We will get you into the game and playing as soon as possible.

We require you to choose a subscription option and enter valid payment information. For credit cards, debit cards and PayPal there is no charge made until after your included 30 days of game time has expired. For these payment methods, there is an authorization check performed to ensure the payment method is valid. You may see a temporary account authorization hold put on funds in your account while the verification completes. Usually this authorization hold lasts a short period of time before being removed. It can vary from bank to bank.

If you prefer to use one of the following payment methods, payment is processed at the time of selecting your preferred subscription plan.

Game Time Cards [via Retailer]
GiroPay
iDeal
Paysafe Card
WebMoney