You register for free and might have a short chat with some hot girl that is sitting in front of a webcam and is talking to multiple people at one time.
But if you want to take that girl privately you will have to buy credits.
For example, if you are in a free adult chatting conversation with a regular person that you met online there is always a risk that that other person may be recording and saving your conversations and video footage.
They can later use that against you with the attempt to blackmail you.
The chatting platforms are liked by men and women alike.