well actually being a personal account, we get charged if we received paymetn from credit card payments. and with higher payments than those with premier account. but still it is better to us personal account cause we don't receive credit card paymetns often. so i think that we will only get charged few times and still we don't get charges from paypal to paypal payments.

i too got charges when i received credit card payments. that is why i had told the other person who sent me credit card paymetns to send or pay me only through paypal to paypal. so that i wil not have charges. specially there is only 5 limtis of credit card payments in our personal account. i don't want to upgrade to premier or business account.