到目前为止，信用卡发行商已经计算出，即便是为塔吉特遇到的那种大黑客承担责任，也比更换所有的信用卡要便宜。
Card issuers have so far calculated that absorbing the liability for even big hacks like the Target one is still cheaper than replacing all that plastic.
超过四分之三的人将永远不会再见到他们的钱包，大多数会花110多个小时更换他们的信用卡和借记卡。
More than three quarters of those who lose their wallets will never see them again, and most will spend over 110 hours replacing their credit and debit CARDS.
更换信用卡是免费的而且只要几天的时间。
You credit card replacement is free of charge and takes just a couple of days.
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