I would suggest that people call their banks and determine the TRUE status on the charge. I can tell you that my "pending" charges have dropped off the web site, but the bank still has them as authorized and will approve the payment when it truly posts.
So, to sum things up for everyone :
1. Verify your bank charges directly with your bank if you are worried.
2. Check the order status page and look for the Backorder being set to 0 to determine if you are moving towards the shipping status (in the past this didn't always work out as they went to 0 and if the orders got filled before yours, it went back to 1)
3. AT&T is definitely shipping to have items delivered on Friday, so no worries about the e-mails that said "as soon as Sept 21, 2012" as they seem to just be covering themselves for those that missed the first batch.
4. Cut-off times were just a guess at when enough orders came in to deplete the 1st batch.
5. AT&T staff is using party lines as they cannot predict actual shipping dates.
6. Wait for a tracking number...
And more importantly, remember that pre-orders are always taking a chance much like sitting in line. So, don't be upset if it doesn't work out. And also understand that having products for the stores is just as important than just filling all the online orders. Apple wants a buzz around the stores - marketing 101. Deal with it 🙂
Hope that helps,
M