Money charged just means you have passed "Completeness check" step. Eligibility review is to follow.
Refer to last few pages of Eg07 "What Happens next"
It clearly shows that money is charged after completeness check, see it says if not found eligible "refund" and in completeness check it says forms including ur payment will be returned,
Refund and Returned
Completeness Check
Citizenship and Immigration Canada reviews your application to make sure that:
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all required fields in your application forms are complete,
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all required document are submitted from the document checklist (IMM 5612), and
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the correct processing fee payment has been made
If your application is incomplete, your entire package (including your payment) will be returned to you with:
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a letter that identifies the missing entries and/or items
Eligibility review
An officer will make an initial assessment of your application to determine whether:
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your application qualifies for processing under one of the three categories described in the Ministerial Instructions
If your application is being recommended for further assessment to a Visa Office, you will be sent a letter that:
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notifies you of this fact and provides you with your reference number,
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sets out some basic instructions for contact with the Visa Office, and
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instructs you to submit a copy of your application and all supporting documentation (see Visa Office specific forms) to the responsible Canadian Visa Office within 120 days (4 months)
If your application does not qualify for processing under the Ministerial Instructions you will be sent a letter that:
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provides the reason why your application is not eligible for processing
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confirms that a refund for the processing fee will be issued