The insufficient message if this is what you are seeing is a little bit misleading as it oesn't mean you are short of credit it usually means that either you haven't been billed for a previous purchase or that the spending limit on your account to prevent overspending has been reached. Either way if you use the live chat that opens at 11am tomorrow they will be able to sort this for you as it is a very common error:
https://www.skystore.com/help/contact-us
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