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With regards to Skype Credit you will actually still be able to use your Skype Credit for calling after May 2025 as described in Skype is retiring in May 2025 What you need

https://answers.microsoft.com › en-us › xbox › forum › all › credit-card-p…
6 With the new account and i let the details process i provided my first last name only in company name wrote self employed and verified text My credit card passed
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