Asking for credit to make a call

I have called this persons skype name a number of times but i keep getting that I need credits to make the call all of a sudden.  I have even had to sign out a few times before to make it work but now thats not working also.
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Are you sure you are making a Skype call?  If a person is offline it will generally revert to the phone number in their Skype profile, making that a Skype phone call requiring credit.  When they are online, it should revert back to a standard Skype call.  You should be able to force a Skype call vs. a phone call at any time by selecting it from the drop-down instead of pressing the big call (phone) button.  If you do force a Skype call on a person who is offline you make get a busy, ring no answer or voicemail.

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