Buy an album on credit (Visa, Mastercard, American Express) and get $20 credit for free. There's a link below to an album going for $2.98, if you don't have something that you want to get from bandit.fm
Note: If you have credit / vouchers in your account, they must be used up before you can partake in this offer, according to the terms and conditions; however Wayward One and I have been able to get this when only part of the payment was by credit card. :) (Instantaneous credit upon purchase, I found)
$20 top up lasts almost 1 month.
Thanks to SirCh for the November post on how to get $20 of credit cheaply :)
Here's the link to the album credits to Marlboro and Outlander :) it's $2.98
Also, I'm not 100% sure how it works, but, my Take 40 with 40 voucher is about to expire for this month. Everyone else might want to use their last vouchers now too.