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Can someone explain Skype Credit (on ipod Touch) to me please?

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Can someone explain Skype Credit to me please?


I have Skype on my ipod Touch and I opted to pay $2.99 a month so that I can call cells and homes (in addition to Skype subscribers).


So why do I need to have Skpye Credit???


I just received this ipod Touch so this is all new to me ...

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