Holders of American Express, Capital One and Discover credit cards are due $435 million as a result of a crackdown on deceptive credit card practices by the federal Consumer Financial Protection Bureau, CNNMoney reported. Customers aren't required to take any action. Instead, current cardholders will automatically receive a credit on their account, and former customers will receive checks in the mail or have any outstanding balance reduced by the refunded amount. Most refunds should be delivered by the end of March. Read more.