Capital One should return to customers about $150 million

More than 2 million Capital One credit card customers will get refunds totaling $150 million as part of a settlement reached with federal banking and consumer protection regulators. The bank also must pay $60 million in penalties for deceptive marketing and billing practices, according to the agreement announced Wednesday.

Payments by credit card prevails over cash

Consumers could expect to see more chances to save money by paying cash for merchandise, following a landmark settlement reached between credit card companies and retailers.

Business credit and personal cards issuers looking at the same time

Just because you keep your work and home finances separate doesn't mean your credit cards do.

For many small businesses, a business credit card is an important way to separate work purchases from personal ones for tracking, accounting and tax purposes. While there are many ways card issuers can check the financial health of a business -- from annual business income to commercial credit scores -- issuers typically take a peek into your personal credit when you apply for a business card. Business card issuers "ask for a Social Security number, which gives them the opportunity to check an individual's credit before issuing a card," says Linda Sherry, director of national priorities for Consumer Action.