DISCLAIMER: I paid by credit card *TWICE* to ensure I get my Pandora on time, and I hope I still do. I can't wait for Pandora to arrive. I trust Craig and Co, but I understand - also - the realities of life on the commercial plane. You simply cannot involve credit card processing facilities without having a product ready to ship, and expect to get away with it.
The problem here can be expressed thus:
Point A: People want to pre-order to make sure they get their Pandora fast.
Point B: The Pandora is not ready to ship yet.
Point C: Banks won't (typically) take credit card orders if there is no shipping product - this is a *HUGE* liability for them (the banks), and well .. fair enough. It is well and truly within their rights to refuse to take money from someone if they are not going to be getting anything shipped to them.
Fact: it is FRAUD to take someones money, for a product which does not exist, and not ship them that product - within 30 days. I am not saying that Craig and Co. are fraudsters - my experience with them has been more than positive over the years - but on the commercial plane, its not difficult to see that *some* people are wary.
The only solution: stop taking credit card orders until you are ready to ship. All of this back-and-forth can only be doing negative things - distracting you from actually getting the product ready to ship. So, just quit it with the credit card orders, and let the early-adopters put their money where their mouth is - by bank transfer, directly, without involving the credit card fraud policies of most major banks.
Also: NO! DO NOT DO THE "shipping you a CD and the Pandora is free later" deal, Craig!!! *IF* something happens - hopefully not likely, but possible nevertheless - and you *cannot* ship Pandora, you will be in for a huge bag of hurt if you do this CD-instead-of-Pandora deal in an attempt to get around the FRAUD policies of credit card banks.
It has nothing to do with the globaly economy and everything to do with FRAUD laws which have been in place for years. I've said it before, and I'll say it again: you cannot take credit card orders if you're not prepared to ship within 30 days. So, just don't do it.
Remember: I've paid *TWICE* by credit card for my Pandora 'slot', so I'm willing to participate in the grey area. Just saying: things really are black and white with this. Global economy woes have nothing to do with it; FRAUD law is what this is all about ...