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Julie Vognartwo halves, above the printed paper. SGC are the easiest! Do NOT try this with a GAI--the one half nestles inside the other half. Mark Macrae recommends a heavy hammer, tapping gerntly around the holder where the two parts come together (with a GAI, this will be facing you when the card is lying flat; with the others, you have to go around the edges.)
I only have three cards I keep in holders. Chess cards from 1888. I think they look nice that way.
Yes, SGC is hard on backs--even blank backs. But I think the holders are sort of pretty too. If I HAD to choose one kind.