My card number and expiration get skimmed at, I assume, gas pumps and such. I call my issuer, tell them the card has been compromised, we review charges and throw out the fraudulent one(s) and they cancel that card number. The underlaying account remains in place, they overnight be a new card (with a new number and exp) rendering the old one useless.

It used to be a huge pain, because after that I would have to update all my stored payments and autopays.