Why is it that skype is charging me to use it on my laptop?
It works just fine on my IPhone but trying to use it on my laptop its saying I need credits I have a windows 8 computer would that also make a difference?
Skype only charges you for group video calls and you only get a certain amount of solo video calls. The computer version does not matter in this case.
You need to have skype credit to call people who do not have Skype. Skype to Skype is free though.
It works on your phone because it's a phone. It costs money to make phone calls from your computer.
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