In Tales of Pirates, when your mention Charge Points, then the number of charges left on the coral you have equipped. Following we list some examples, just have a look
Diligence: Passive, +2 to SP Recovery Rate (+1 per skill level). That is your basic starter skill. Comes with your level 10 box. Just up it to level 2 for Lightning Bolt.
Current: Passive, Requires level (buy Tales Of Pirates Gold) 2 Dilligence, boosts ship movement speed by 6% (+1% per skill level). That is not a bad skill, just not really essential. Get it to level 2 for Tornado.
Conch Armor: Passive, Requires lv 1 Current, boosts ship defense by 8 points (+3 per skill level). Only if you want to upgrade it.
Lightning Bolt: Active, Land, Requires lv 1 Dilligence, Lightning Coral, 27 SP (+2 SP with each skill level). Your main attack spell for when you start out. And that is not a bad spell at all.