[pokerplyr80]

Originally Posted by packs

What would be the grounds for a PayPal refund?

Examples of transactions covered by Purchase Protection:

• You bought a book, but received a DVD
•You bought an item described as “new,” but received something that was used
•You purchased 3 items, but only received 2
•The item was damaged during shipping
•The item is missing major parts (that the seller didn’t report)
•You purchased an item described as authentic, but received a knockoff instead

That's from the PayPal site.

Damaged during shipping, and damaged because of poor packing, or a lack of packing is a fine line. I would file a PayPal claim and let them sort it out.

I get that the OP should have been more careful opening the package. How exactly this happened is a little confusing. A picture of the card and envelope it was shipped in sure would help. But if a card of this value was simply placed loose in an envelope I feel that is so egregious as to warrant a refund.

Edit: Frank's suggestion of sharing the responsibility and perhaps issuing a 50% refund is probably the reasonable solution, but this seems like a case that would have to be decided by a third party and a ruling made one way or the other. Contacting the seller and offering a split may be a solution, although the time to offer that most likely would have been before filing the ebay claim.