I have Skype Credit, but Skype says I need credit ...

I have $3.15 in Skype credit.  When trying to make a Skype to Skype call I get a message saying I need to have Skype credit to make the call?   Can anyone explain please?  I thought the minimum amount needed was $2.00. 
Post transferred from blog article;
subject/title edited accordingly.

I have made a three month subscription,not knowing Skype still has auto pay to my card on file,had do i rectify that and get recredited,thanks.

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