After reading some of the negative reviews that this Seller has, I can see why the OP did not trust him.
It just that you need to follow the correct eBay channels when returning the card. If the seller does not follow up with a refund, then you let eBay step in and at that point you should leave a negative. eBay is very good when it comes to refunding money to buyers who have gone thru all the correct channels. But looking at the Seller's history, another negative would not matter to him. I am surprised (not really) that he is even allowed to sell on eBay.
I just think this negative should not have been given until you filed a claim.
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