If you don't want to refund, tell him that there are no refunds as specifically noted in your ebay listing and that the card is centered and with the condition that you described in your listing. The buyer will then likely log an ebay Significantly Not As Described ebay case, and then you have to argue your case with ebay and hope that you win. I would give you a 20% chance to win. You have a better chance to win if you call ebay and argue your case with an ebay representative directly instead of via the web. No matter if you win or lose, the buyer will give you a negative feedback and 1's on all of your DSR's. Therefore, you need to determine if your chance of winning is worth it in this case.
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