To those enquiring about the logic to debiting your credit card before the security check is carried out, remember that the fee is not for purchasing the card - the fee is for carrying out the security check. The card itself is just a way of identifying those who have passed the check.
If you are denied an ASIC based on the results of the security check (does anyone know of anyone who's ever been denied one?), they are not obliged to refund your money, because the security check you paid for has been carried out.