Because the point is far more than just a credit line. The name is "instant". How exactly is everyone missing the entire "instant" part of the feature. Insta

Because the point is far more than just a credit line. The name is "instant". How exactly is everyone missing the entire "instant" part of the feature. Instant costs $3/mo, and includes the credit line feature. But the fronting of cash isn't the ONLY feature in 'instant', and thus not the only thing you're being charged for! I like the idea of instant transactions -- a lot. If I could use Dwolla instead of a debit card, you better believe I'd pay $3/mo to have all of my transactions post immediately.