| http://www.w3.org/ns/prov#value | - Kmart, Walmart and other chains have revamped layaway programs, which allow customers to make payments for merchandise without the risk of additional interest or hurting their credit score. </p><p>Target developed its own line of debit cards specifically for its stores. </p><p>No matter how we paid for gifts for our friends and families this year, most of us had strict budgets, according to the Na
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