How can we stop someone who has all of your credit card info, places a order and ships it to a different address.
If the billing and shipping address do not match you do not ship the goods. It's the responsibility of the client to setup with his bank another shipping address if he wants to ship elsewhere.
There are ways to also verify that by having in the shipping or payment form of your store an edit box for the customer to enter the bank issuer phone number as printed on the card. Then you should be able to verify.
And I am not sure about the other recommendations to pay some "protection service" in order to avoid chargebacks sounds like spam, because the payment gateway is going to do that anyways and you pay commission to them in the first place.