We each have two cards -- one we use, one is "zero" balance -- we use one at a time, each. IF we get one compromised, we each have another to use until a replacement gets to us ...
In all our years of CC use (40+ years), we've never once had a fraudulent charge. We always watch the transactions (don't give it to hold at gas stations)... We check our CC websites often, just to see the transactions.
We tell our banks if we're traveling - and they monitor any large out of area transactions and notify us, or even shut off the card if they can't get us on the phone and ask, unless we tell them ahead of time we're traveling.
We believe it happens to people -- we just never have, and are careful but use it like we need it - that's why we have them. we once lost a card, they got us a new one in two days via overnight mail - and later, we found it, so not stolen, just 'misplaced'.