You could always look for a less zealous credit card provider, but generally speaking, the entity that takes the liability should be able to set the bar for risk. Otherwise you get subsidized risk taking, which has a way of getting out of hand.
You may well find that credit card companies who are not very zealous about security are merely more successful at weaseling out of the liability that their customers assume they are taking.
At the end of the day, fraud creates costs, and you can be sure that SOMEONE is paying those costs. If your credit card company doesn't seem very zealous about preventing fraud, then it's more likely that you are the one who will ultimately pay when the bill comes due.
Disabling my card constantly doesn't help me at all, it's just a PITA. Imagine if any other service provider (webmail?) disabled your account frequently to "avoid fraud".
So you assume. Have you ever investigated credit card fraud? Perhaps there are edge cases that are more difficult than you imagine.
> Imagine if any other service provider (webmail?) disabled your account frequently to "avoid fraud".
Webmail is absolutely lousy with fraud. Webmail companies explicitly disclaim all liability... so... you kinda bolstered my point there. That is, you helped add the significant texture that companies that disclaim all fraud liability can be pretty lousy at preventing fraud.
To reiterate: The entity that accepts liability should be the entity that draws the line on what risks are acceptable.
Credit card companies are pretty unique in the types and magnitude of risk that they accept and manage. They already do quite a high wire act balancing fraud prevention against user convenience. And despite some things that seem inconvenient on the surface, they are typically still the most convenient way available, by a wide margin, to conduct most payment transactions.
THAT would cut fraud.
One out of three purchases was rejected, and I had to call them, wait in line like 10-20 minutes, and have them reactivate it. They kept saying it was "for my own protection", but I kept losing time constantly. This worse especially awful when I tried to catch an offer that ended by the time they fixed the issue.
Contrast this with American Express and Discover who both issue their own cards and handle the payment network. There's also third parties that issue AMEX cards (any maybe Discover, but I don't know of any)
So in other words, don't blame Visa, blame the bank.
If you really want to go hardcore there's card issuers that let you freeze and unfreeze your cards online/from their app, so you can keep it frozen until you are making a purchase.
It has helped me spot fraud last month, and it also acts as a quick check to make sure the amount charged was correct (very helpful in restaurants or the like).
Most banks, and most card companies offer this - for free. If yours doesn't, you might want to shop around for one that does.