First off, I am a male, so my pronoun is a "he/him." And yes, I was under the impression that my account had become a Business type for not being able to find the "upgrade to Business account" option. But the real reason I am wanting to keep my PayPal account Personal is the fact that, after an earlier discussion with a GCash representative, I learned that I would need a Personal type PayPal account in order to link a GCash MasterCard. Right now, linking the card is being a pain in the rear itself.
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