So at this point I should reverse the charge when it is going to ship in one day (supposedly)? No, TMO has me sort of over a barrel here. I can either leave the charge as is and (hopefully) get my phone by the end of the week. Or I can cancel the charge (via AmEx) and go spend time driving around various TMO stores to find one this weekend? The point is that the contract I signed very clearly stated when the card would be charged. It was not charged at that time and was, in fact, charged before it was supposed to have. No, in the end it is not a big deal but TMO should not create contracts that clearly states the date they are going to charge someone if they are going to go ahead and charge them whenever they want to. What is the point of having a contract if they are just going to charge at will???