CC fraud usually higher in non-Internet transactions like restaurants or petrol stations.

I have been a CC user for more than 10 years and never once kena fraud cases. My usage mostly Internet purchases like DVDs, books and softwares.

My mom's card was cloned once (some 10 years ago before chip-based cards) after refueling in a petrol station (they clone the card while you are not looking).

If purchase from reputable online shops like Amazon.com, no worries... they will replace if item went missing (like my copy of Rush Hour 2 that went missing).

If eBay, buy from sellers with PayPal and check their ratings. Anything above 95% is good news. Also, do read up their ratings from time to time.

For local portals like Lelong.com.my, I only do COD. If cannot COD, will check their ratings. If bad rating or comment, find another seller.