Hi, Regan3, and welcome to the Community,
Please see this thread ...
I have also seen this as a problem with "Verified by Visa." If your credit card issuer cannot help, please contact Skype customer service to report the issue and for further assistance.
If a reply answered your question, please click on the "Accept as Solution" button so others following in your footsteps can find what works! If anyone helped you, you can show your appreciation and thanks by clicking on the "Kudos" button!
Good reads: Devise good passwords, stop password attacks
and basic rules for online safety.
One more! David Pogue's How To Get Hacked in 5 Exciting Steps.
Please review and consider ... Benefits of frequent upgrading
Please, send Private Messages only upon request.