Agree with all of the above. The MOST important thing is when you file a claim, is NEVER to mention you sent it for grading. Once it's out of your hands, the seller technically doesn't have to offer you a refund. It's best just to say that you doubt its authenticity. Say that, and you will get a refund. I once sent back a BVG 6 graded 1952 Topps pafko because it looked shifty. PayPal and eBay take care of the buyers. They will pay the refund to you and take it from the sellers account. If the sellers account is empty, they take care of it.
Honestly, I rarely buy nice vintage cards raw.
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