The so-called "pre-payed" card actualy is a virtual or internet credit card. It will be issued based on your existing credit card (Master, Visa,...). You are to choose what will be its credit limit. All details and charges you have to discuss with your bank. Its also possible to buy a skype credit with your regular credit card, but it's risky - it could be hacked. The other way to buy a skype credit is not directly with your virtual card, but via Pay Pal which is more secure. The skype credit will allow you to call to a land line or mobile anywhere in the world for a pretty reasonable and low cost. Also you may use skype for free PC-PC call, chat and a lot more.