Xbox Gold charged 1 day before the posted date of the charge.

You'll get charged when your subscription expires so if the last day of your current subscription is 4/1, you'd be charged either 4/1 or 4/2 (not 100% on the exact date but it will not be a month later).

You'll be sent an e-mail warning 30 days before your subscription expires explaining everything (and another one shortly before it will charge you).

All accounts have a renewal date and a billing date. The renewal date is the date your subscription actually renews for an additional 1, 3, or 12 months. The billing date is the day charges are sent out. One time charges are billed on the day of purchase,
but subscriptions go by the billing date.

My guess is your renewal and billing dates are different and you never noticed it before. You can either call support or check billing.microsoft.com to confirm this.

turning off autorenewal after the renewal date will not prevent pending charges

you will be suspended after 27 days after rejection of charges

you must call before the billing date to prevent renewal charges

you must update your payment method so the charges can go thru

did you call after the renewal date?

check your account management



also if you didn't call before the billing/renewal date then a charge would go thru as you didn't call before the charge.

it takes 27 days after a renewal happens and the charge not going thru before an account can be suspended for payment option

Pre-orders are generally charged around 10 days before release of the game. If you got an email which specifies a date, then it should be charged accordingly.