This doesn't clone existing credit cards, it gives you your own 'wallet' that you can top up and then purchase things with using NFC from within Google Wallet itself. You have to top up manually first though, that's the point and why they don't need any OEM keys.
Someone on another forum I know spoke to their local Comet who said they had 4 in stock but only the version without the keyboard. It looks like the version including the keyboard will be out on the 18th.
I got caught out the same way and didn't think there were any PS games, I had expected them to be in the 'Get Games' app! They really need to sort out the number of different processes for buying games don't they.
I was expecting more around £1.99 for the PSX games too. :D
I think that kind of defeats the point really, this is a phone designed for mobile gaming. If I'm off on the train to watch football or something I don't want to be carrying a Wii-mote, and certainly not a TV. :D