There's far more than one way to watermark your art.
Adding simple text in MS Paint. It looks bad but at least your credit is there.
Using Iaza.com to add text.
http://www.iaza.comUse the options on Photobucket to add text, you just need to make an account.
http://www.photobucket.comPaint.NET is a free downloadable art program you can use to watermark/draw.
http://www.getpaint.net/GIMP is also a free downloadable art program.
http://www.gimp.org/Paint tool Sai is another one.
http://sai.detstwo.com/sai/There's also Pixlr which is an online one, similar to Photoshop just with much less features.
http://www.pixlr.com/