The down side of this is that you won't be able to get "instant credit" at department stores.

What will the largest and hastiest reorganization of the federal government in half a century do besides allow politicians to claim instant credit for fighting terrorism?

Access or Visa are accepted and instant credit of up to £1,000 can be arranged; or buy now, pay January.

Such looseness allows instant credit at department stores and the proliferation of mailed credit card offers, both widely abused identity portals for thieves.

But their import was too terrible for me to give instant credit to my suspicion.

Investors who want to borrow can get instant credit through margin accounts.

Detectives would call from malls to confirm that the Marcia Vickers who was applying for instant credit was indeed me.

Then, after all that, the billionaire mayor could not be approved for instant credit and had to forgo the discount.

This might keep you from getting "instant" credit, which may be something to weigh when considering a credit freeze.

It's how electronics and department stores can offer instant credit.