To get my beta code do I have to pre order online and do I have to pay off the entire game?
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You can preorder online or in-store. Your beta code should be on your receipt. If it's not, call the company you preordered from and ask for it. I'd go Amazon if you preorder online and GameStop if you do it in-store.
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Just put whatever down payment the place you're pre-ordering from asks for, it's usually only $5. Yes, you do have to pre-order though.