I am really irritated right now about bidders on eBay not following the payment terms. I clearly state I cannot take credit cards as I have the free personal PayPal account. But people still send me freakin credit card payments that I can't except w/o upgrading my account. This is very frustrating. I had to deny the payment and sent a short note along with it. I hope this individual is understaning at his error because I would hate to get a negative feedback due to his error.