Wells Fargo is paying for me to back up my music!

[solon]

I have a Wells Fargo credit card I'm not using.
Wells Fargo has low-balance forgiveness up to $1.99. At the end of the month, if you owe $1.99 or less, they just write off the balance.
100 GB of storage on OneDrive costs $1.99.

Wells Fargo is paying for me to back up my music!

[Car Jack]

<shaking heat up and down>

It's called low balance forgiveness.  I think Dr of credit has a list.  I've got a dozen cards with this when they don't have a tradeline on them.  Discover also does $1.99.  It's pretty common to put that charge into an Amazon gift card.  There are a ton of cards that do this for $0.99.  I pick up around $7 a month for this.  It's great for cards that are either non-tradeline friendly (like Wells) or for cards you're ageing.