Yep its a load of BS what coinbase.com has done!  Now to buy instant you have to link a Visa card and it can only be visa, shit most people only have freaking mastercard....  I bought instantly for 3 months never a problem they took all my info now they just change policy and never tell anyone or warn them.  No way i'm going back to waiting 7 days, nice bait and switch coinbase.com!