Additional features, settings, or issues not covered by specific Microsoft Teams Free categories
Hi mayumi seiler,
Welcome to Microsoft Q&A forum.
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I’m sorry to hear that you’re unable to use your Skype Credit because the billing address is not being accepted.
I have seen similar reports from other users. You may try changing the language/region in your Microsoft account to another option, save the change, then add or update the billing address again and check whether Skype Credit works. If it still does not work, you can try switching to another language/region and repeat the billing address update.
You can also refer to this similar thread: I am unable to add an address/billing address to reactive my Skype account - Microsoft Q&A
Also, please make sure you are signing in with the exact Skype/Microsoft account that has the Skype Credit balance, not a different Microsoft account or work account.
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