You see the “Insufficient Credits” message when your available balance is not enough to start a call to the selected destination.
This message appears before the call starts, and no credits are deducted.
When This Applies
This message appears when:
You try to place a call, and
Your current balance does not meet the minimum required for that destination’s call rate.
Why This Happens
The call rate is higher than your available balance
Talk360 checks the destination’s per-minute rate before starting a call.
If your balance is lower than that rate, the call cannot begin.
The phone number format is incorrect
An incorrect or missing country code can cause the app to apply a different rate than expected.
Credits were added, but not fully refreshed yet
After a recent top-up, the app may briefly need to refresh before showing the updated balance.
What to Do Next
Check the call rate shown in the app for the number you are calling.
Confirm the phone number format, including the correct country code.
Restart the app if you recently purchased credits.
Once your balance meets the required rate, the call can start normally.
How to Check Calling Rates
In the app, open Calling Rates to see prices per country.
You can also view rates on the website.
In Contacts, the per-minute rate is shown under each phone number.
What Does Not Happen
No credits are deducted when the “Insufficient Credits” message appears.
The call does not connect until the balance requirement is met.
When to Contact Human Support
Contact Support only if:
Your balance is sufficient for the displayed rate, and
The message continues after restarting the app
Support can verify the balance and rate, but cannot override call requirements.