PayPal Personal Account - If I Recieved 5 Credit Card Payments?

    I'm looking to open a personal account to shop online and possibly recieve payments from friends and family.

    I've heard I'm only able to accept 5 credit cards payments then I'd have to upgrade my account to a Premier account.

    As I've already got a Premier account and only want to recieve debit card payments or payments funded straight through the senders PayPal balance, I'm wondering if I was to recieve 5 credit card payments, would I be prompted to upgrade my account to a Premier account immediately or would I be able to continue sending/recieving money until I've reached the limit (if I ever do)

    Thanks in advance.

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