I hear you. This whole CC fraud issue was one of immediate reasons I liked the blockchain.
I use a credit card more as a payment mechanism than a line of credit (I hate carrying debt). I prefer it to a debit card linked directly to my bank account. It gives me a time buffer to deal with fraud without someone draining me. So I'm basically trying to use it as digital cash (by paying if off every month), but in reality it falls well short of digital cash powered by a blockchain.
Future can't come soon enough.