This strong reaction by Western credit markets contrasts sharply with the long-standing practice of Free World suppliers who, as demanded by Moscow, formerly agreed to conduct virtually all trade on an "open account" basis.

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On the other end, just download the app on your iPad, open an account and you are ready to be anywhere in the world.

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In September last year, Rory McIlroy released an open letter on his Twitter account in response to quotes attributed to him which said he felt "more British than Irish".

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You can even open up an account for yourself if you are planning on going back to college or graduate school in a few years.

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"I think what'll happen is that you'll see most of the users continue to use their accounts for open social media (such as Facebook or Twitter), and then create an account on here, " he said.

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Every time you apply for credit, it causes an inquiry to appear on your credit report and costs you a few credit score points whether you even open the account or not.

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Despite the varying prohibitions, some Shariah banks find creative ways to make the equivalent of market interest rates by other means, such as by pegging debtor repayment rates to his or her future profits, or when a bank offers a "hibah, " or gift to those who open an account in essence a way of attracting new customers in lieu of interest accruals on savings.

CENTERFORSECURITYPOLICY: Center For Security Policy