? for any Pingo users

I am just trying to figure out how this works...is this correct?

You purchase a $20 "card", and use as you would normally use a calling card.

In addition to the calls placed there is also a $0.98 monthly fee.

What I can't find out in their FAQ is...

Does the $0.98 come off of the calling card balance or your cc signed up with.

Do you manually add $$ to the calling card when low?

I guess my main question is are there any automatic recurring charges / monthly charges to my cc for this?

I don't carry ld on my phone, I always use calling cards so am very interested, any info thanks in advance!