It happens to me at least twice a year. It's usually restaurants that have your card out of view and can also write down your three digit number on the back. We have one restaurant near me that I can't prove does this, but I've had less fraud after we started only using cash with them. I'm also sad to say I received a new business card after having fraud and made only one purchase with the new card with Marco Specialties at the 2016 Southern Fried Expo and received fraudulent charges that same night. I don't think banks even care to try to figure it out or go after anyone and just write it off.