My personal pet peeve is with companies and stores etc. that charge my purchase before I receive the item. I recently purchased a new embroidery machine from a local dealer. At the time I purchased the machine I also ordered a larger hoop from them as they didn't have it in stock. They took my credit card and the charge appeared on my credit card bill weeks before I got the hoop. Years ago I had the same problem with them when I ordered an embroidery card that was out of stock. I only delt with them this time because they were the only local business that had the machine I needed to go with my existing software.
I like to pay off my credit card balance every time I receive the bill but I hate to pay for something I don't yet have.