The cell phone providers rip you off on the hardware. 1. Phones are expensive, 2. They give you the stripped down package without the Micro SD card, cable and software.
I got mine from a local provider. They have these international unlocked phones that comes with everything - 128 MB micro sd, usb cable and software. They also gave me international charger adapter, a car charger and leather case.
My suggestion is to look for a private local retailer instead of going direct to the service provider stores.