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What happens if you use a Business Debit card for personal uses?

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What happens if you use a Business Debit card for personal uses?

Paypal's new legal agreement today prohibits Business Debit cards from being used for personal reasons.  What is the penalty for doing this? 

Also, how can i convert a Business Debit card to a Cash Card?

By the way, i have a personal Paypal account, not business.