Target's credit-card customers are struggling to make payments, and that's raising concerns for investors. An analyst downgraded the retailer's stock Monday, the Associated Press reported, as customer credit-card delinquencies climbed to the highest level since bankruptcy laws changed in 2005. Credit card revenue was down 65 percent in the most recent quarter compared to last year.

A judge ordered some of William McGuire's stock options unfrozen Monday. The former UnitedHealth Group CEO will be allowed to exercise the options to pay the $30 million settlement he recently agreed to in a class-action lawsuit over his alleged improper stock backdating, the Associated Press reported. Any cash remaining can be spent on "other obligations."

Analysts worry the government's proposed bailout won't be enough, and that caused the stocks of several banks, including Wells Fargo, to tumble Monday, the Associated Press reported. One analyst downgraded the bank to "sell." Another upgraded to "hold," saying, "Wells Fargo has the capital wherewithal to benefit from market dislocation."

More Wells Fargo: The bank is using envelope-free ATMs in California. The bank estimates that it's saved more than 30 million envelopes and 245 tons of paper since it started using the machines in 2006. When do we get them here? The press release doesn't say. It's adding another 277 in California by the end of the year.

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