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You should be fine. I've had my number stolen twice (likely through magnetic readers planted behind card readers) and my bank refunded the fraudulent charges both times after I filled out some forms. I'd imagine this type of insurance is required by the gov't or at least standard practice among credit card companies.
If your credit card has rewards, a downpayment is the perfect thing to use it for even if you already have the cash. I downpaid the max amount that my dealer allowed on credit because my bank gives back a percent in cash for all credit transactions (more I spend in credit, the more cash I get back).
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