Credit card applications and much much more
Annual fees are a relic of the days when credit cards were rare and only the wealthy had them. Nowadays, annual fees are obsolete, and good credit cards don't charge them. If you find an offer that's otherwise excellent but it has an annual fee, call the company and see whether they'll waive the fee. Most credit card companies will. They assume that the only people who will let the fee stay on their contract are the inexperienced credit users, and the more savvy customers will ask them to waive the fee as part of the application process.