I don't think making offers is against the rules...but offering to deal off of eBay is against the rules. Some sellers don't care, but most medium- to high-volume sellers won't entertain such offers because they don't want eBay to ding them.
If I were you, I'd just drop him a note that says if he dropped the price on eBay to such and such a price, you'd hit the BIN immediately. Only risk for you is that you don't hit it in time and someone else gets it. No risk to the seller if he's willing to part with the card at that price.
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