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We used to try 4 times:
1 - The actual rebill date (Day 0)
2 - One day after rebill date (Day 1)
3 - Four days after rebill date (Day 4)
4 - One week after rebill date (Day 7)
While a small %, some people would renew successfully up to a week later. If your processor charges you decline fees though (some do, some don't) you have to measure those against your % success to see if it's worth doing.
I have never heard though in all my years involved with processors and IwantU of any decline fee passed on to a customer for credit cards...maybe you mean with recurring ACH (like a bounced check fee) ?
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