In the US, US online retailers cannot charge credit cards until the purchased item is shipped. Charging credit cards before shipping is a Federal offense and is considered mail fraud. B&H and Adorama can ill afford to have their online business shut down by US Treasury agents indefinetly.
I just checked the B&H website and here is a break down of the charges:
purchase price - $3499.00
shipping - $25.05
brokerage - $1.56
disb/handling - &14.65
Total - $3995.13
Shipping is by Purolator ground (2-5 business days). Given the current exchange rates, your credit card company could charge you as much as 1-1.5% exchange. I use Amex and typically, this is what Amex charges and does not charge any 3% fee(whatever that is). When Purolator delivers, there are no additional charges at the door.
I've orderd many times from B&H/Purolator and the service is cheap, trackable, fast and very reliable. I would not use UPS, FedX or USPS.