You can receive payments in any type of PayPal accounts. Doesn't matters if its personal or premier. - Mr.President -
I believe if people start sending you money by credit card, they force you to upgrade to premier. If you are planning to use your PayPal account for business I think you should have a premier or business account. If you then want to have a personal account, you can open one too.
Well you can received funds either through premier or personal but if those payments are made of credit cards then and you constantly getting them it is much prefer to get a premier account
You can receive funds from credit cards to your personal account but the receiving fee is higher than that of premier account. OK? And you can only receive 5 credit card payments per year. OK?