Wow hold only last 5 or so min.
They are in fact charging in arrears.
Since the system tried to charge me $1.55 for the extra day of this month since the last billing, and my card denied their transactions - the person is telling me that they can't return the last month's charge because of the hang up from the 'final charge.'
At least I know things are setup correctly on my CC side and they won't be charging me anymore.