Shoppers who are stuck for a very last-minute Christmas gift at a discount price can opt for Wal-Mart's ongoing offer of $50 in iTunes credit via a "virtual card" that is delivered via e-mail for just $40. Shoppers report the credit can be obtained after purchase in as little as 15 minutes, once users verify their e-mail address and use a special PIN number in the confirmation e-mail to redeem their purchase. The "eCard" can be sent as a gift to another e-mail address.