What are you all thinking There are still people in this world that are lower class, and middle class, that either do not qualify for credit cards or can not afford to have them. There are also people out there that just do not want to have credit cards so that they do not have to pay for their services to have them.There are going to be a lot of unhappy children this Christmas for us folks that have no other means of giving Christmas to our families except being able to have layaway so we can get Christmas presents with a couple of payments. I am sure that your Father,(Mr.Sam Walton)would not approve of this decision - Mr.Sam Walton(Bless His Heart) wanted WalMarts to be affordable for everyone Not Just the Rich People. You Are forgetting about all the people that have shopped at your stores all these years and made you the Corporation you are today! A Loyal Customer, The Overly's