Exactly - Credit card is not immune to frauds but liability on the user is very less compared to DC as I've explained in my incident.A credit card is not 100% immune to frauds. I know of stories from my circle with frauds involving CC. So a CC is not a bullet proof security arrangement.
If you click a link to make a payment without being sure where the link leads to nothing can save you. I'm surprised about account being emptied though. I find it a bit strange. I may have transacted thousands of times using DCs, in person and online. Not a single incident.
On the clicking a link for payment fraud - we are investigating this. Police complaint has been filed and we suspect involvement of couple of courier boys - it's a long developing story.
And yes, these are from my personal/family member recent experiences. And I'm happy for your personal experience and hope it remains same without any incidents.