I got many reasons to doubt people would buy a skin from you, im not trying to be mean but I want you to be successful and make some profit, right now, your skins are not perfect, and there are too many good skins out there for free to compete with that, in general free skins are in a surplus. Your skins are definitely good and they will get better, but trying to sell a 64x64 picture of colored pixels is going to be hard unless you author some of the finest stuff, everybody wants something clean and personalized just for them, which is a reason why they would pay. Making skins for fun until you have the skill to compete with big skinners and actually get some skins selling would be a good idea, but maybe selling a different kind of art would be a good idea, give people something they don't usually have access too, like maybe some personalized profile picture commissions, those are common but not as common as skins, im not trying to be judgy on your skill, don't beat yourself up over the fact you don't burn your life away making art because you don't have the same passion other artist do, its just how it is, and that doesn't mean you CAN'T get better, you certainly can, it may not be as fun, but if you want it enough you'll get it. Im trying to say basically, if you want an income, this isn't going to generate much of anything, im not trying to be mean but I think you can understand why it wouldn't, and if you need an income, and now, you might need to change it, skinning takes a few weeks to make noticeable improvements, and by weeks I mean every month or so it will probably look much better than the last. So do yourself a favor, keep making great skins, but find a better cow to milk for money, theres going to be more people at home, so it is a good time to make online commissions. Goodluck, I'd buy a skin just to support you but I haven't setup any online payment system.

Would but I lost my parents' credit card.

Well, not my parents, I found it at a bus stop, but they were probably someone's parents.