I would think the sheet was pulled from the line prior to gloss like you say. The red color would be printed on the card, and the red at the top of the card sheet would stop when the card stops. That border on top is not thick enough to account for two cards top to bottom.
Can we see the backs? Often times when the sheet was pulled for misalignment, etc. it really shows up on the backs. Or at least how the backs compare to the fronts. Other issues end up hand cut all time time. Sometimes they are from advertising posters but most times they are because of a printing error or problem at the factory. If the stock feels the same other than the gloss, you'd have to think factory original until some other evidence shows up.
I agree that the gloss would be the last layer. Just like painting a car. It was pulled prior to that stage.
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