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"and I can just call my CC company and have them return payment"
you might want to call your CC and verify that they will do that during a dispute.
Typically in a dispute they will tell you to go to the vendor (car dealer) and work with them have them initiate the return of the transaction dollars.
In a case of fraud they take the charge off your card and many times the CC company absorbs those losses - but in cases like this you've entered into a transaction with the dealer. The deal you made was "non refundable deposit".
The credit card might not be willing to just pull the dollars back from the dealer because the transaction was legit and correct.
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