[rogerxp]

Over the years I've moved my credit cards about and taken out numerous car loans but am pretty confident I opted to not have any bells & whistles added, but, can't rule out the odd one having it one (or even put on even if I asked for it to be removed - or on because it was never highlighted). For me, I see a right load of donkey works for me, for little reward, hence wanting to use a company. Just want one I can have confidence in (don't mind sharing my spoils for an easy life). I'll happily use a company if recommended by anyone.