1. Mine gets charged 2/1. I've had it for years though so don't remember my actual start. My December statements in the past years would tell me the upcoming charge will hit 2/1 or 2/2. I would go look at your November or December statement and see if it says anything similar. My guess is you'll get charged 1/2/18.

2. No, you have 30 days. They changed that policy in in 2016.