Hilton is quick to point out that card fraud is "all too common," and that it works with "some of the top experts" in security to keep you safe. Those are true (just ask Target), but the concern is that the company didn't do enough to either offer a strong initial defense or to catch the breaches until several months after they began. And no matter how vigilant the chain was, these statements won't be much consolation if thieves use your accounts to go on a shopping spree.

[Image credit: AP Photo/Mark Lennihan]