Wal-Mart offers two great cards with no annual fee: the Wal-MartĀ® DiscoverĀ® and the Wal-Mart Credit Card.
* Minimum monthly payments required
* Offer available on a Walmart.com purchase of $ READ MORE http://www.walmart.com/credit
Department Store Credit Cards have an interest rate and are based on your credit rating. Good credit or bad credit can be fixed through a loan consolidation, personal loan, or loans.