Here's the problem I'm having with pay pal. Personal accounts let you receive bank transfers free but will not let you accept a credit card payment. You must upgrade to a premiere account for credit card payments, which they charge you fees, for every payment received. Pay pal has a policy for their personal accounts that only lets you upgrade once to a Premiere account and than revert back to a personal account. What happened to me is that I received a payment which appeared to be a bank transfer, but six days later, I'm now informed that it's a credit card payment, after I mailed item out. Nowhere did it state in the email that it was a credit card payment or on my transaction history page at their web site, before today. Usually, when I receive a credit card payment, I'll receive an email from them that a credit card payment was made, and it'll ask me to accept or deny it. It will also state this on the Personal Account transaction page that I need to accept or deny a credit card payment. The email that I received for this transaction never indicated that this was a credit card payment and their web site indicated this as well. Today, I received an email from them not to forget too claim my money. Their web site now states that I need to accept or deny this payment, six days after payment was sent, three days after item is in the mail. This has happened to me four times now and I'm starting to wonder if this is common practice to lock you in to a premiere account. Pay pal refuses to let me accept this payment unless I upgrade, which will lock me in to the premiere account. Has this ever happed to anyone else?