Beyond discussions with respect to normalization which might seem abstract, asking the right questions can help make it clear why one approach might be superior to another.
Would you want to query for specific accounts? E.g., find all Skype accounts or find a specific Skype account. Of your two approaches, which makes that easier?
Which approach do you suppose would be easier to correct if there was a problem with the storage of one of the account types?
Which approach do you suppose would be easier to expand the types of accounts? E.g., today you build for Skype, ICQ, Facebook and StackOverflow. Tomorrow, you realize you want to store Twitter accounts. Which approach do you suppose would make that easier?
Which approach do you think would be easier for another developer to grasp, maintain and expand? E.g., your system becomes so popular that you hire developers to take over your work. The approach that is more inline with industry best practices will be easier for other developers to understand.
When you analyze the problem like this, it should be clear that storing the information into separate columns or perhaps a table with accounts where each user can have multiple rows that represents multiple accounts is the superior approach.