Also, always use a backup card when traveling to higher fraud areas. We vacation in Mexico regularly, for a while every time I went I would get hit with fraudulent charges after getting home. I switched to using one of our backup credit cards while on the trip, then calling the bank when I got home. I would tell them that I was traveling and suspect that my number might have been compromised. They have been more than happy to cancel my old number and reissue me a new one. A few days later I had a new card and was ready to travel again. No issues with fraud since we started doing that.
I find it doesn't. I have to pre plan what I'm going to need, then make sure I go by a cash machine that doesn't charge me extra. I don't want to carry too much, because I lose my wallet it is gone. I can't order on-line easily. major hassle. If my credit card gets stolen, I call the bank and owe nothing and switch to a backup card until a replacement arrives. minor hassle.