The issue may be if the buyer needs to pay return shipping to send the cards back to you. That may be the issue if the return shipping is not refunded also. You may need to offer to pay the return shipping also or just give the buyer a partial refund like 10-20%. If I think that the issue is my fault (item not as described or poor packaging), then I would do what I said. If I think the issue is due to buyer remorse, then I would probably make the buyer pay for return shipping and not offer the partial refund option.
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