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I don't offer refunds to people I've sold to at shows and then take the cards home. Once it's out of my hands, it's yours. Same goes for eBay in that I have a "no return" policy.
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I bought a card at a show one time. A 1960 Topps Mantle. It looked so nice I didnt bother taking it out of the Card Saver for fear of messing it up. It was a fake. According to your policy, I would not be due a refund.