Personally, I've found undergraded cards in all three companies' holders. For PSA, I would crack before submitting, because they have a reputation of rejecting anything in another company's holder "just because." SGC and BVG tend to give the card itself a closer look regardless of whether it is in a holder or not. For GAI, CSA or others like that, it is very risky, but most likely PSA, SGC and BVG would all proceed extremely cautiously on any of them, so breaking them out raw is best, but be aware you stand a very high chance of getting it returned Altered.
Good luck any which way!
To break the holders, use a pair of bolt cutters (keep 'em sharp) and snip the top corners off. Then use a small flathead screwdriver to get in between and slowly pry apart the two halves all the way around the top. Be careful if you have to pry up the sides at all that you don't jam the screwdriver into the card. Usually just getting the top open is enough to pull the sides apart by hand.
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