Ummm. You've received credit card charges already??? I can't find the web page now but I'm pretty sure that AT&T said that the charges would ONLY be made when the phone ships. Did you do your ordering through Apple?

I mentioned in an earlier post that I'm concerned about multiple charges too. No charges have shown up on my credit cards yet.

EDIT: On the "Confirmation Summary", that I got from my AT&T in-store pre-order, it says "Charges not applied until item ships".