There's been some debate among economists over how exactly "small business" should be defined. At the heart of the issue is the government's definition of small business, which it says are companies of less than 500 employees. But a 499-employee business isn't exactly "small." This issue is even more important in light of a recent report that found credit card rates for small-business accounts have increased 13.7% over the past six months, costing small businesses $420 million in incremental finance charges. READ»