I don't use credit cards. I live in Poland and actually credit cards are not a good deal here. It is much better to use a card which is attached to your account and is only billable by the amount you have on your account.
As a security measure (minimising risk) I have my cards attached to separate subaccount that I only load with operational cash (no the account I use for savings). I have daily payment limits set up.
Also I have no problem with using wireless payment swiping. It is great and very convinient. In Poland you can only do transactions up to 50z (about $12) without submitting a PIN. And transactions with wireless payment can't be cached (issued off line). So it makes thing pretty secure and convinient.
Also I have my card insured as standard bonus with my account. I think card insurance is somewhat mandatory. So when somebody cheats me I will get my money back.
In my opinion using cards is much safer than carrying cash, doing bank transfers or using something like Paypal.