Account updater programs prevent the interruption of your auto-renewing subscriptions if your card is lost or expires. 

Skype is enrolled in the Visa Account Updater ®, and MasterCard Automatic Billing Updater ® programs. If your card expires or the number changes, your card issuer will notify Skype that there's been a change, and we'll automatically update your payment information to prevent your subscription from expiring. 

To find out if your credit/debit card is supported or to opt out, contact your card issuer.

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How do I update my credit card or other payment method in Skype?