There is a new feature on the site that might catch you off guard. On your profile page you might notice Play and Pay with perhaps $50.00 in it. It is a bit risky if you happen to click the wrong button if you are in a chat room as you just might find your self in an unexpected private even if you have no credits.
You can change the setting to $0.00 by going into billings & Play & Pay and changing the amount to $0.00 but be sure to safe the change. It seems to take a while for your profile page to update but seem it will.
Hope this is some help. Quote

Alternately, if you are very, very certain that you will never utilize this feature, you can contact Customer Service to have it disabled for you...until you decide (if ever) to activate it again. Quote