Say I was wanting to upgrade an account to either "premier" or "merchant" level to start accepting credit cards. What are the associated pros and cons? Would it be stupid to not get a seperate bank account to use paypal at this level? (I don't have a seperate account now) Do they ever even place holds on money in the linked bank account or is that limited to money in the "ebay" account? I'm reading through all the fine print on their site but would appreciate answers in english, not legal-eze.