Some experts say the new estimate – 94 million compromised accounts – is purely a matter of legal jousting between banks and the retailer. The new breach estimate was determined through investigations conducted by Visa and MasterCard. TJX has previously said that 75 percent of the 45.7 million credit and debit card numbers were expired or contained masked data on the magnetic strips, which would render them useless to thieves. Some experts believe TJX is unlikely to be monetarily affected by these new numbers, and that they would have to prove more damage.”]