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Video chat is now available on many smartphones and the social media powerhouses have introduced applications which make it easy to talk “face to face” with any of your social media contacts.
Keep in mind that in some cases specific payment options will only be made available to users from specific regions.
For example, at Im European users can pay with Directe Banking, UKash, pay Safe Card and Neosurf (as shows in the screenshot), but North American users will not even see these options.
Yet it doesn't hurt to be able to track the payments you make and to check your bills once in awhile.
If you buy big amounts of credits once every month or more, than you have a better control over your expenses than you do if you purchase worth of credit every time you feel like chatting.