Actually, if anything will eventually get me to close my UBS account, it is the fact that their credit cards seemed to be issued by a sub-division. Therefore, real-time transfer of funds from a UBS statement account to a UBS credit card is not possible, and takes between 48-72 hours to be effective. In addition, the transaction date of the credit payment is about 4 working days later, even if it is was made electronically via UBS banking. Of course, the debits are always backdated to the day the transaction was made. Very convenient.