Additional chat-related features and issues within Microsoft Teams for business
Teams with a personal account does not support phone calls. The only place which you can use to make calls with your remaining credit or a calling subscription is the Skype Dial Pad site on the Web:
https://calling.web.skype.com/
Just be sure to sign in to this site with exactly the same account as you have used with Skype.
Your 60 free minutes which you have from the Microsoft 365 subscription can still be used to make phone calls with Skype Dial Pad site on the Web, but this option will be disabled by March 2026.